
<!DOCTYPE html>
<html dir="ltr" lang="en-US">
<head>

  <meta charset="utf-8">
  <meta name="viewport" content="width=device-width, initial-scale=1">




  <title>Chris Hogan - Ramsey</title>
  <meta name="description" content="Discover how ordinary people built extraordinary wealth." />
  <meta property="og:locale" content="en_us" />
  <meta property="og:title" content="Chris Hogan" />
  <meta property="og:description" content="Discover how ordinary people built extraordinary wealth." />
  <meta property="og:image" content="https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/social/chris-hogan.jpg" />
  <meta property="og:url" content="https://www.ramseysolutions.com/chris-hogan" />
  <meta property="og:type" content="website" />
  <meta property="og:site_name" content="Ramsey Solutions" />
  <meta class="elastic" name="image" content="https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/social/chris-hogan.jpg" />
  <meta class="elastic" name="page_type" content="marketing">
  <meta name="twitter:card" content="summary_large_image" />
  <meta name="twitter:site" content="" />
  <meta name="twitter:creator" content="" />
  <meta name="twitter:title" content="Chris Hogan" />
  <meta name="twitter:description" content="Discover how ordinary people built extraordinary wealth." />
  <meta name="twitter:image" content="https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/social/chris-hogan.jpg" />
  <meta name="twitter:image:width" content="1600" />
  <meta name="twitter:image:height" content="537" />
  <link rel="canonical" href="https://www.ramseysolutions.com/chris-hogan" />



<link rel="preload" href="https://use.typekit.net/fdp3qaw.css" as="style">
<link rel="preconnect" href="https://use.typekit.net">


  <style>
    html {
      font-family: canada-type-gibson, Arial, sans-serif !important;
    }
  </style>

  <link rel="stylesheet" href="https://use.typekit.net/fdp3qaw.css">


  <link rel="apple-touch-icon" sizes="57x57" href="https://cdn.ramseysolutions.net/cms/sites/ramseysolutions-com/favicons/apple-touch-icon-57x57.png">
  <link rel="apple-touch-icon" sizes="60x60" href="https://cdn.ramseysolutions.net/cms/sites/ramseysolutions-com/favicons/apple-touch-icon-60x60.png">
  <link rel="apple-touch-icon" sizes="72x72" href="https://cdn.ramseysolutions.net/cms/sites/ramseysolutions-com/favicons/apple-touch-icon-72x72.png">
  <link rel="apple-touch-icon" sizes="76x76" href="https://cdn.ramseysolutions.net/cms/sites/ramseysolutions-com/favicons/apple-touch-icon-76x76.png">
  <link rel="apple-touch-icon" sizes="114x114" href="https://cdn.ramseysolutions.net/cms/sites/ramseysolutions-com/favicons/apple-touch-icon-114x114.png">
  <link rel="apple-touch-icon" sizes="120x120" href="https://cdn.ramseysolutions.net/cms/sites/ramseysolutions-com/favicons/apple-touch-icon-120x120.png">
  <link rel="apple-touch-icon" sizes="144x144" href="https://cdn.ramseysolutions.net/cms/sites/ramseysolutions-com/favicons/apple-touch-icon-144x144.png">
  <link rel="apple-touch-icon" sizes="152x152" href="https://cdn.ramseysolutions.net/cms/sites/ramseysolutions-com/favicons/apple-touch-icon-152x152.png">
  <link rel="apple-touch-icon" sizes="180x180" href="https://cdn.ramseysolutions.net/cms/sites/ramseysolutions-com/favicons/apple-touch-icon-180x180.png">
  <link rel="icon" type="image/png" sizes="32x32" href="https://cdn.ramseysolutions.net/cms/sites/ramseysolutions-com/favicons/favicon-32x32.png">
  <link rel="icon" type="image/png" sizes="16x16" href="https://cdn.ramseysolutions.net/cms/sites/ramseysolutions-com/favicons/favicon-16x16.png">
  <link rel="icon" type="image/x-icon" href="https://cdn.ramseysolutions.net/cms/sites/ramseysolutions-com/favicons/favicon.ico">
  <meta name="msapplication-TileColor" content="#ff0000">
  <meta name="msapplication-config" content="https://cdn.ramseysolutions.net/cms/sites/ramseysolutions-com/favicons/browserconfig.xml">
  <meta name="theme-color" content="#ffffff">


  <script type="text/javascript" src="/ruxitagentjs_ICANVfqru_10337260526121002.js" data-dtconfig="app=284571a7cb365be4|cuc=j31rnwy6|owasp=1|mel=100000|featureHash=ICANVfqru|dpvc=1|lastModification=1780945142925|tp=500,50,0|rdnt=1|uxrgce=1|srbbv=2|agentUri=/ruxitagentjs_ICANVfqru_10337260526121002.js|reportUrl=/rb_bf38936aim|rid=RID_-2016166247|rpid=-241773636|domain=ramseysolutions.com"></script><link rel="manifest" href="https://cdn.ramseysolutions.net/cms/sites/ramseysolutions-com/favicons/site.webmanifest">




      <style>
:root{--rds-color-background-overlay:rgba(31,36,38,.64);--rds-color-base-white:#fff;--rds-color-base-black:#000;--rds-color-base-gray-10:#f5f7f8;--rds-color-base-gray-20:#e8eced;--rds-color-base-gray-30:#d5d9db;--rds-color-base-gray-40:#b6bec2;--rds-color-base-gray-50:#8e999e;--rds-color-base-gray-60:#69757a;--rds-color-base-gray-70:#495257;--rds-color-base-gray-80:#333a3d;--rds-color-base-gray-90:#1f2426;--rds-color-base-magenta-5:#fef1f8;--rds-color-base-magenta-8:#fee5f3;--rds-color-base-magenta-10:#ffc6e6;--rds-color-base-magenta-20:#ff93cf;--rds-color-base-magenta-30:#f863b7;--rds-color-base-magenta-40:#ed3d9f;--rds-color-base-magenta-50:#e30a8d;--rds-color-base-magenta-60:#c40879;--rds-color-base-magenta-70:#9c085c;--rds-color-base-magenta-80:#770644;--rds-color-base-magenta-90:#55022e;--rds-color-base-purple-5:#f8eff6;--rds-color-base-purple-8:#fae2f5;--rds-color-base-purple-10:#ffc7f2;--rds-color-base-purple-20:#f59de2;--rds-color-base-purple-30:#e07ecb;--rds-color-base-purple-40:#d160b7;--rds-color-base-purple-50:#b34fa0;--rds-color-base-purple-60:#964286;--rds-color-base-purple-70:#773569;--rds-color-base-purple-80:#5b284f;--rds-color-base-purple-90:#401c36;--rds-color-base-violet-5:#f3f1f9;--rds-color-base-violet-8:#ece7fb;--rds-color-base-violet-10:#d8c7ff;--rds-color-base-violet-20:#b69df5;--rds-color-base-violet-30:#9379e0;--rds-color-base-violet-40:#7b62cc;--rds-color-base-violet-50:#634fb3;--rds-color-base-violet-60:#534296;--rds-color-base-violet-70:#44367b;--rds-color-base-violet-80:#352a60;--rds-color-base-violet-90:#271f47;--rds-color-base-blue-5:#ebf4fa;--rds-color-base-blue-8:#d8f1fc;--rds-color-base-blue-10:#ade9ff;--rds-color-base-blue-20:#61d5ff;--rds-color-base-blue-30:#00b2f6;--rds-color-base-blue-40:#0091d9;--rds-color-base-blue-50:#0073b9;--rds-color-base-blue-60:#005b98;--rds-color-base-blue-70:#047;--rds-color-base-blue-80:#003561;--rds-color-base-blue-90:#002342;--rds-color-base-aqua-5:#e5f7f9;--rds-color-base-aqua-8:#d6f9fb;--rds-color-base-aqua-10:#adffff;--rds-color-base-aqua-20:#75f8fc;--rds-color-base-aqua-30:#3bebf5;--rds-color-base-aqua-40:#00d6e6;--rds-color-base-aqua-50:#00b6c7;--rds-color-base-aqua-60:#0097a8;--rds-color-base-aqua-70:#007384;--rds-color-base-aqua-80:#005362;--rds-color-base-aqua-90:#003540;--rds-color-base-teal-5:#e7f6f4;--rds-color-base-teal-8:#d2f9f4;--rds-color-base-teal-10:#adfff4;--rds-color-base-teal-20:#67f5e2;--rds-color-base-teal-30:#2de0c8;--rds-color-base-teal-40:#1cc8b4;--rds-color-base-teal-50:#16a597;--rds-color-base-teal-60:#0e8e7e;--rds-color-base-teal-70:#077565;--rds-color-base-teal-80:#035a4b;--rds-color-base-teal-90:#004033;--rds-color-base-green-5:#eaf8ee;--rds-color-base-green-8:#d9fae1;--rds-color-base-green-10:#adffbe;--rds-color-base-green-20:#83f295;--rds-color-base-green-30:#5ae072;--rds-color-base-green-40:#48ce65;--rds-color-base-green-50:#35bd59;--rds-color-base-green-60:#24a344;--rds-color-base-green-70:#1b8533;--rds-color-base-green-80:#106621;--rds-color-base-green-90:#094212;--rds-color-base-lime-5:#f3f9eb;--rds-color-base-lime-8:#edfccd;--rds-color-base-lime-10:#e5ffa8;--rds-color-base-lime-20:#cdf383;--rds-color-base-lime-30:#b3e65c;--rds-color-base-lime-40:#a0d64a;--rds-color-base-lime-50:#8ec738;--rds-color-base-lime-60:#73ab29;--rds-color-base-lime-70:#588f1a;--rds-color-base-lime-80:#3b6610;--rds-color-base-lime-90:#234208;--rds-color-base-yellow-5:#fefae7;--rds-color-base-yellow-8:#fef9d0;--rds-color-base-yellow-10:#fff6a8;--rds-color-base-yellow-20:#ffec82;--rds-color-base-yellow-30:#ffe45e;--rds-color-base-yellow-40:#ffda47;--rds-color-base-yellow-50:#fcd214;--rds-color-base-yellow-60:#e3b409;--rds-color-base-yellow-70:#b88907;--rds-color-base-yellow-80:#805203;--rds-color-base-yellow-90:#4d2d02;--rds-color-base-amber-5:#fef6e8;--rds-color-base-amber-8:#fef0d1;--rds-color-base-amber-10:#ffe6a8;--rds-color-base-amber-20:#ffd784;--rds-color-base-amber-30:#ffc95e;--rds-color-base-amber-40:#fdba40;--rds-color-base-amber-50:#faab19;--rds-color-base-amber-60:#e3900b;--rds-color-base-amber-70:#b86b07;--rds-color-base-amber-80:#804103;--rds-color-base-amber-90:#4d2502;--rds-color-base-orange-5:#fcf0e8;--rds-color-base-orange-8:#fde5d3;--rds-color-base-orange-10:#ffd3ad;--rds-color-base-orange-20:#feb881;--rds-color-base-orange-30:#fa9f5a;--rds-color-base-orange-40:#f58331;--rds-color-base-orange-50:#e66f20;--rds-color-base-orange-60:#c95a14;--rds-color-base-orange-70:#a6400d;--rds-color-base-orange-80:#7d2c09;--rds-color-base-orange-90:#571c03;--rds-color-base-red-5:#fcedeb;--rds-color-base-red-8:#fdded8;--rds-color-base-red-10:#ffc4b8;--rds-color-base-red-20:#ff9c8c;--rds-color-base-red-30:#fa7c69;--rds-color-base-red-40:#f26552;--rds-color-base-red-50:#e64b40;--rds-color-base-red-60:#cc392f;--rds-color-base-red-70:#a62b24;--rds-color-base-red-80:#821d1a;--rds-color-base-red-90:#520d0b;--rds-color-brand-twitter:#1da1f2;--rds-color-brand-linkedin:#0077b5;--rds-color-brand-facebook:#3b5998;--rds-color-brand-pinterest:#bd081c;--rds-color-brand-youtube:red;--rds-color-brand-x:#000;--rds-color-shadow-sm:rgba(31,36,38,.1);--rds-color-shadow-md:rgba(31,36,38,.12);--rds-color-shadow-lg:rgba(31,36,38,.18);--rds-font-family-arial:Arial,sans-serif;--rds-font-family-gibson:canada-type-gibson,Arial,sans-serif;--rds-font-weight-normal:400;--rds-font-weight-semibold:600;--rds-font-weight-bold:700;--rds-shadow-box-none:none;--rds-size-border-none:0px;--rds-size-border-sm:1px;--rds-size-border-md:2px;--rds-size-border-lg:4px;--rds-size-border-xl:8px;--rds-size-breakpoint-sm:37.5em;--rds-size-breakpoint-md:56.25em;--rds-size-breakpoint-lg:75em;--rds-size-breakpoint-xl:93.75em;--rds-size-breakpoint-2xl:112.5em;--rds-size-font-1:12px;--rds-size-font-2:14px;--rds-size-font-3:16px;--rds-size-font-4:18px;--rds-size-font-5:20px;--rds-size-font-6:24px;--rds-size-font-7:28px;--rds-size-font-8:34px;--rds-size-font-9:40px;--rds-size-font-10:48px;--rds-size-font-11:60px;--rds-size-font-12:72px;--rds-size-font-13:96px;--rds-size-icon-xs:12px;--rds-size-icon-sm:14px;--rds-size-icon-md:16px;--rds-size-icon-lg:24px;--rds-size-icon-xl:32px;--rds-size-icon-2xl:48px;--rds-size-icon-3xl:64px;--rds-size-line-height-reset:1;--rds-size-line-height-sm:1.1;--rds-size-line-height-md:1.25;--rds-size-line-height-lg:1.5;--rds-size-radius-none:0px;--rds-size-radius-sm:4px;--rds-size-radius-md:8px;--rds-size-radius-lg:16px;--rds-size-radius-full:9999px;--rds-size-spacing-none:0px;--rds-size-spacing-basis:8px;--rds-size-spacing-inset-xs:8px;--rds-size-spacing-inset-sm:12px;--rds-size-spacing-inset-md:16px;--rds-size-spacing-inset-lg:24px;--rds-size-spacing-inset-xl:32px;--rds-size-spacing-inset-2xl:48px;--rds-size-spacing-inset-squish-xs:4px 8px;--rds-size-spacing-inset-squish-sm:8px 16px;--rds-size-spacing-inset-squish-md:12px 20px;--rds-size-spacing-inset-squish-lg:16px 24px;--rds-size-spacing-inset-squish-xl:20px 28px;--rds-size-spacing-inline-2xs:2px;--rds-size-spacing-inline-xs:4px;--rds-size-spacing-inline-sm:8px;--rds-size-spacing-inline-md:16px;--rds-size-spacing-inline-lg:24px;--rds-size-spacing-inline-xl:32px;--rds-size-spacing-inline-2xl:48px;--rds-size-spacing-inline-3xl:64px;--rds-size-spacing-block-2xs:2px;--rds-size-spacing-block-xs:4px;--rds-size-spacing-block-sm:8px;--rds-size-spacing-block-md:16px;--rds-size-spacing-block-lg:24px;--rds-size-spacing-block-xl:32px;--rds-size-spacing-block-2xl:48px;--rds-size-spacing-block-3xl:64px;--rds-size-spacing-block-4xl:96px;--rds-size-spacing-block-5xl:160px;--rds-size-spacing-block-6xl:256px;--rds-size-spacing-block-7xl:384px;--rds-color-background-base:var(--rds-color-base-gray-10);--rds-color-background-control:var(--rds-color-base-white);--rds-color-background-control-disabled:var(--rds-color-base-gray-10);--rds-color-background-success:var(--rds-color-base-green-70);--rds-color-background-error:var(--rds-color-base-red-60);--rds-color-border-control:var(--rds-color-base-gray-60);--rds-color-border-control-disabled:var(--rds-color-base-gray-30);--rds-color-border-control-interactive:var(--rds-color-base-blue-50);--rds-color-border-error:var(--rds-color-base-red-60);--rds-color-text-base:var(--rds-color-base-gray-90);--rds-color-text-dark-canvas:var(--rds-color-base-white);--rds-color-text-subdued:var(--rds-color-base-gray-70);--rds-color-text-link:var(--rds-color-base-blue-50);--rds-color-text-link-interactive:var(--rds-color-base-blue-60);--rds-color-text-error:var(--rds-color-base-red-70);--rds-color-text-success:var(--rds-color-base-green-80);--rds-color-text-disabled:var(--rds-color-base-gray-40);--rds-font-family-base:var(--rds-font-family-gibson);--rds-font-weight-strong:var(--rds-font-weight-semibold);--rds-font-weight-heading:var(--rds-font-weight-semibold);--rds-shadow-box-sm:0 2px 4px 0 var(--rds-color-shadow-sm);--rds-shadow-box-md:0 4px 16px 0 var(--rds-color-shadow-md);--rds-shadow-box-lg:0 8px 24px 0 var(--rds-color-shadow-lg);--rds-size-border-control:var(--rds-size-border-sm);--rds-size-font-control-sm:var(--rds-size-font-2);--rds-size-font-control-md:var(--rds-size-font-3);--rds-size-font-control-lg:var(--rds-size-font-4);--rds-size-radius-control:var(--rds-size-radius-sm)}.u-spacingInsetXs{padding:8px!important}.u-spacingInsetSm{padding:12px!important}.u-spacingInsetMd{padding:16px!important}.u-spacingInsetLg{padding:24px!important}.u-spacingInsetXl{padding:32px!important}.u-spacingInset2Xl{padding:48px!important}.u-spacingInsetSquishXs{padding:4px 8px!important}.u-spacingInsetSquishSm{padding:8px 16px!important}.u-spacingInsetSquishMd{padding:12px 20px!important}.u-spacingInsetSquishLg{padding:16px 24px!important}.u-spacingInsetSquishXl{padding:20px 28px!important}.u-spacingInline2Xs{margin-right:2px!important}.u-spacingInlineXs{margin-right:4px!important}.u-spacingInlineSm{margin-right:8px!important}.u-spacingInlineMd{margin-right:16px!important}.u-spacingInlineLg{margin-right:24px!important}.u-spacingInlineXl{margin-right:32px!important}.u-spacingInline2Xl{margin-right:48px!important}.u-spacingInline3Xl{margin-right:64px!important}.u-spacingBlock2Xs{margin-bottom:2px!important}.u-spacingBlockXs{margin-bottom:4px!important}.u-spacingBlockSm{margin-bottom:8px!important}.u-spacingBlockMd{margin-bottom:16px!important}.u-spacingBlockLg{margin-bottom:24px!important}.u-spacingBlockXl{margin-bottom:32px!important}.u-spacingBlock2Xl{margin-bottom:48px!important}.u-spacingBlock3Xl{margin-bottom:64px!important}.u-spacingBlock4Xl{margin-bottom:96px!important}.u-spacingBlock5Xl{margin-bottom:160px!important}.u-spacingBlock6Xl{margin-bottom:256px!important}.u-spacingBlock7Xl{margin-bottom:384px!important}/*! normalize.css v8.0.1 | MIT License | github.com/necolas/normalize.css */html{line-height:1.15;-webkit-text-size-adjust:100%}body{margin:0}main{display:block}h1{font-size:2em;margin:.67em 0}hr{box-sizing:content-box;height:0;overflow:visible}pre{font-family:monospace,monospace;font-size:1em}a{background-color:transparent}abbr[title]{border-bottom:none;text-decoration:underline;-webkit-text-decoration:underline dotted;text-decoration:underline dotted}b,strong{font-weight:bolder}code,kbd,samp{font-family:monospace,monospace;font-size:1em}small{font-size:80%}sub,sup{font-size:75%;line-height:0;position:relative;vertical-align:baseline}sub{bottom:-.25em}sup{top:-.5em}img{border-style:none}button,input,optgroup,select,textarea{font-family:inherit;font-size:100%;line-height:1.15;margin:0}button,input{overflow:visible}button,select{text-transform:none}[type=button],[type=reset],[type=submit],button{-webkit-appearance:button}[type=button]::-moz-focus-inner,[type=reset]::-moz-focus-inner,[type=submit]::-moz-focus-inner,button::-moz-focus-inner{border-style:none}[type=button]:-moz-focusring,[type=reset]:-moz-focusring,[type=submit]:-moz-focusring,button:-moz-focusring{outline:1px dotted ButtonText}fieldset{padding:.35em .75em .625em}legend{box-sizing:border-box;color:inherit;display:table;max-width:100%;padding:0;white-space:normal}progress{vertical-align:baseline}textarea{overflow:auto}[type=checkbox],[type=radio]{box-sizing:border-box;padding:0}[type=number]::-webkit-inner-spin-button,[type=number]::-webkit-outer-spin-button{height:auto}[type=search]{-webkit-appearance:textfield;outline-offset:-2px}[type=search]::-webkit-search-decoration{-webkit-appearance:none}::-webkit-file-upload-button{-webkit-appearance:button;font:inherit}details{display:block}summary{display:list-item}[hidden],template{display:none}html{box-sizing:border-box}*,:after,:before{box-sizing:inherit}[type=button],[type=reset],[type=submit],button{-webkit-appearance:none;background:transparent;border:0;color:inherit;font:inherit;margin:0;padding:0;width:auto;-webkit-font-smoothing:antialiased;-webkit-user-select:none;-ms-user-select:none;user-select:none}[type=button]::-moz-focus-inner,[type=reset]::-moz-focus-inner,[type=submit]::-moz-focus-inner,button::-moz-focus-inner{border:0;padding:0}figure{margin:0}fieldset{border:0;margin:0;padding:0}textarea{resize:vertical}img,video{height:auto;max-width:100%}button,label,option,select{cursor:pointer}canvas,iframe,img,select,svg,video{max-width:100%}html{background-color:#f5f7f8;color:#1f2426;font-family:canada-type-gibson,Arial,sans-serif;font-size:100%}body{font-size:1.125rem;line-height:1.5;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}blockquote,dl,h1,h2,h3,h4,h5,h6,hr,menu,ol,p,pre,ul{margin-bottom:1rem;margin-top:0}blockquote:last-child,dl:last-child,h1:last-child,h2:last-child,h3:last-child,h4:last-child,h5:last-child,h6:last-child,hr:last-child,menu:last-child,ol:last-child,p:last-child,pre:last-child,ul:last-child{margin-bottom:0}h1,h2,h3,h4,h5,h6{font-size:1.125rem;font-weight:600}b,strong{font-weight:600}a{color:#0073b9}a:focus,a:hover{text-decoration:none}a.in-modeDark{color:#fff}small,sub,sup{font-size:.875rem}button,input,optgroup,select,textarea{line-height:1.25}.o-flexibleGroup{align-items:center;display:flex;flex-wrap:wrap;margin-left:-.5rem;margin-top:-.5rem}.o-flexibleGroup--noWrap{flex-wrap:nowrap}.o-flexibleGroup--vertical{align-items:stretch;flex-flow:column;margin-left:0}.o-flexibleGroup--distributionStart{justify-content:flex-start}.o-flexibleGroup--distributionCenter{justify-content:center}.o-flexibleGroup--distributionEnd{justify-content:flex-end}.o-flexibleGroup--alignmentStart{align-items:flex-start}.o-flexibleGroup--alignmentCenter{align-items:center}.o-flexibleGroup--alignmentEnd{align-items:flex-end}.o-flexibleGroup--spacingCompact{margin-left:-.25rem;margin-top:-.25rem}.o-flexibleGroup--spacingComfortable{margin-left:-1rem;margin-top:-1rem}.o-flexibleGroup--spacingComfortable.o-flexibleGroup--vertical,.o-flexibleGroup--spacingCompact.o-flexibleGroup--vertical{margin-left:0}.o-flexibleGroup-item{flex:0 0 auto;margin-left:.5rem;margin-top:.5rem;max-width:calc(100% - .5rem + 1px)}.o-flexibleGroup--spacingNone,.o-flexibleGroup--spacingNone .o-flexibleGroup-item{margin-left:0;margin-top:0}.o-flexibleGroup--spacingNone .o-flexibleGroup-item{max-width:100%}.o-flexibleGroup--spacingCompact .o-flexibleGroup-item{margin-left:.25rem;margin-top:.25rem;max-width:calc(100% - .25rem + 1px)}.o-flexibleGroup--spacingComfortable .o-flexibleGroup-item{margin-left:1rem;margin-top:1rem;max-width:calc(100% - 1rem + 1px)}.o-flexibleGroup--vertical .o-flexibleGroup-item{margin-left:0;max-width:100%}.u-cardLow{box-shadow:0 2px 4px 0 rgba(31,36,38,.1)}.u-cardLow,.u-cardMedium{background-color:#fff;border-radius:8px}.u-cardMedium{box-shadow:0 6px 16px 0 rgba(31,36,38,.15)}.u-cardHigh{background-color:#fff;border-radius:8px;box-shadow:0 16px 40px 0 rgba(31,36,38,.18)}.u-displayBlock{display:block!important}.u-displayInlineBlock{display:inline-block!important}.u-displayNone{display:none!important}.u-fontWeightLight{font-weight:300!important}.u-fontWeightNormal{font-weight:400!important}.u-fontWeightSemibold{font-weight:600!important}.u-fontWeightBold{font-weight:700!important}.u-spacingStackNone{margin-bottom:0!important}.u-spacingStackHalf{margin-bottom:.25rem!important}.u-spacingStack1{margin-bottom:.5rem!important}.u-spacingStack2{margin-bottom:1rem!important}.u-spacingStack3{margin-bottom:1.5rem!important}.u-spacingStack4{margin-bottom:2rem!important}.u-spacingStack5{margin-bottom:2.5rem!important}.u-spacingStack6{margin-bottom:3rem!important}.u-spacingStack9{margin-bottom:4.5rem!important}.u-spacingStack12{margin-bottom:6rem!important}.u-spacingInlineNone{margin-right:0!important}.u-spacingInlineHalf{margin-right:.25rem!important}.u-spacingInline1{margin-right:.5rem!important}.u-spacingInline2{margin-right:1rem!important}.u-spacingInline3{margin-right:1.5rem!important}.u-spacingInline4{margin-right:2rem!important}.u-spacingInline5{margin-right:2.5rem!important}.u-spacingInline6{margin-right:3rem!important}.u-spacingInline9{margin-right:4.5rem!important}.u-spacingInline12{margin-right:6rem!important}.u-spacingInsetExtraSmall,.u-spacingInsetSmall{padding:1rem}@media(min-width:37.5em){.u-spacingInsetSmall{padding:1.5rem}}.u-spacingInsetMedium{padding:1.5rem}@media(min-width:37.5em){.u-spacingInsetMedium{padding:2rem}}.u-spacingInsetLarge{padding:2rem}@media(min-width:37.5em){.u-spacingInsetLarge{padding:2.5rem}}@media(min-width:75em){.u-spacingInsetLarge{padding:3rem}}.u-spacingInsetExtraLarge{padding:2.5rem}@media(min-width:37.5em){.u-spacingInsetExtraLarge{padding:3rem}}@media(min-width:75em){.u-spacingInsetExtraLarge{padding:4.5rem}}.u-textAlignLeft{text-align:left!important}.u-textAlignCenter{text-align:center!important}.u-textAlignRight{text-align:right!important}.u-textAlignedRight{text-align:right}.u-textColorModeDark{color:#fff}.u-textColorDefault{color:#1f2426}.u-textColorThemePrimary{color:#0073b9}.u-textColorThemeSecondary{color:#003561}.u-textColorThemeTertiary{color:#fcd214}.u-textColorSubdued{color:#495257}.in-modeDark .u-textColorSubdued,.u-textColorSubdued.in-modeDark{color:#f5f7f8}.u-textColorSuccess{color:#1b8533}.u-textColorError{color:#cc392f}.u-typesetDefault{font-size:1.125rem;font-weight:400;line-height:1.5}.u-typesetDisplayXLarge{font-size:4.5rem;font-weight:700;line-height:1.1}@media(min-width:37.5em){.u-typesetDisplayXLarge{font-size:6rem}}.u-typesetDisplayLarge{font-size:3.75rem;font-weight:700;line-height:1.1}@media(min-width:37.5em){.u-typesetDisplayLarge{font-size:4.5rem}}.u-typesetDisplayMedium{font-size:3rem;font-weight:700;line-height:1.1}@media(min-width:37.5em){.u-typesetDisplayMedium{font-size:3.75rem}}.u-typesetDisplaySmall{font-size:2.5rem;font-weight:700;line-height:1.1}@media(min-width:37.5em){.u-typesetDisplaySmall{font-size:3rem}}.u-typesetSubtitle{font-size:1.5rem;line-height:1.25}@media(min-width:37.5em){.u-typesetSubtitle{font-size:1.75rem}}.u-typesetHeadingLarge{font-size:1.75rem;line-height:1.25}@media(min-width:37.5em){.u-typesetHeadingLarge{font-size:2.125rem}}.u-typesetHeadingMedium{font-size:1.5rem;line-height:1.25}@media(min-width:37.5em){.u-typesetHeadingMedium{font-size:1.75rem}}.u-typesetHeadingSmall{font-size:1.25rem;line-height:1.25}@media(min-width:37.5em){.u-typesetHeadingSmall{font-size:1.5rem}}.u-typesetHeadingXSmall{font-size:1.125rem;line-height:1.25}@media(min-width:37.5em){.u-typesetHeadingXSmall{font-size:1.25rem}}.u-typesetHeadingXXSmall{font-size:1.125rem;line-height:1.25}@media(min-width:37.5em){.u-typesetHeadingXXSmall{font-size:1.125rem}}.u-typesetBodyLarge{font-size:1.25rem;line-height:1.5}.u-typesetBodyMedium{font-size:1.125rem;line-height:1.5}.u-typesetBodySmall{font-size:1rem;line-height:1.5}.u-typesetBodyLargeShort{font-size:1.25rem;line-height:1.25}.u-typesetBodyMediumShort{font-size:1.125rem;line-height:1.25}.u-typesetBodySmallShort{font-size:1rem;line-height:1.25}.u-visuallyHidden{border:0;clip:rect(0 0 0 0);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute;width:1px}@media(min-width:37.5em){.u-hide\@lapAndUp{display:none!important}}@media(min-width:56.25em){.u-hide\@lapWideAndUp{display:none!important}}@media(min-width:75em){.u-hide\@deskAndUp{display:none!important}}@media(min-width:112.5em){.u-hide\@wallOnly{display:none!important}}@media(min-width:75em)and (max-width:112.4375em){.u-hide\@deskOnly{display:none!important}}@media(min-width:56.25em)and (max-width:74.9375em){.u-hide\@lapWideOnly{display:none!important}}@media(min-width:37.5em)and (max-width:56.1875em){.u-hide\@lapOnly{display:none!important}}@media(max-width:37.4375em){.u-hide\@palmOnly,.u-show\@lapAndUp{display:none!important}}@media screen and (max-width:56.1875em){.u-show\@lapWideAndUp{display:none!important}}@media screen and (max-width:74.9375em){.u-show\@deskAndUp{display:none!important}}@media screen and (max-width:112.4375em){.u-show\@wallOnly{display:none!important}}.u-listUnstyled{list-style-type:none;padding-left:0}.u-spacePrependLarge:before{content:"";display:block;height:144px}@media(min-width:37.5em){.u-spacePrependLarge:before{height:192px}}@media(min-width:56.25em){.u-spacePrependLarge:before{height:288px}}.u-spacePrependMedium:before{content:"";display:block;height:96px}@media(min-width:37.5em){.u-spacePrependMedium:before{height:144px}}@media(min-width:56.25em){.u-spacePrependMedium:before{height:216px}}.u-spacePrependSmall:before{content:"";display:block;height:48px}@media(min-width:37.5em){.u-spacePrependSmall:before{height:96px}}@media(min-width:56.25em){.u-spacePrependSmall:before{height:144px}}.u-spaceAppendLarge:after{content:"";display:block;height:144px}@media(min-width:37.5em){.u-spaceAppendLarge:after{height:192px}}@media(min-width:56.25em){.u-spaceAppendLarge:after{height:288px}}.u-spaceAppendMedium:after{content:"";display:block;height:96px}@media(min-width:37.5em){.u-spaceAppendMedium:after{height:144px}}@media(min-width:56.25em){.u-spaceAppendMedium:after{height:216px}}.u-spaceAppendSmall:after{content:"";display:block;height:48px}@media(min-width:37.5em){.u-spaceAppendSmall:after{height:96px}}@media(min-width:56.25em){.u-spaceAppendSmall:after{height:144px}}.u-accentLine{margin-bottom:1rem;margin-top:0}.u-accentLine:last-child{margin-bottom:0}.u-accentLine{display:block;font-size:0}.u-accentLine:after{background:currentColor;content:"";display:inline-block;height:4px;width:4.5rem}.in-modeDark a:not(.gzl-Button):not([class*=rds-]){color:#fff}.u-textColorModeDark a:not(.gzl-Button):not([class*=rds-]){color:inherit}.u-textColorDefault a:not(.gzl-Button):not([class*=rds-]){color:#0073b9}.gzl-Icon{height:1rem;width:1rem;fill:currentColor}.gzl-Icon--l{height:1.5rem;vertical-align:top;width:1.5rem}.gzl-Button{align-items:center;background-color:#0073b9;border:2px solid transparent;border-radius:4px;box-shadow:none;color:#fff;cursor:pointer;display:inline-flex;flex-shrink:0;font-size:1rem;font-weight:600;justify-content:center;line-height:1.5rem;padding:.375rem 1rem;text-align:center;text-decoration:none;transition:background-color .3s cubic-bezier(.19,1,.22,1),border-color .3s cubic-bezier(.19,1,.22,1),color .3s cubic-bezier(.19,1,.22,1);width:auto;word-break:break-word}.gzl-Button:focus,.gzl-Button:hover{background-color:#005b98;color:#fff}.gzl-Button--ghost{background-color:transparent;border-color:currentColor;color:#0073b9}.gzl-Button--ghost:focus,.gzl-Button--ghost:hover{background-color:rgba(0,115,185,.1);color:#005b98}.gzl-Button--alternate,a.gzl-Button--alternate{background-color:#fcd214;color:#1f2426}.gzl-Button--alternate:focus,.gzl-Button--alternate:hover,a.gzl-Button--alternate:focus,a.gzl-Button--alternate:hover{background-color:#ffe45e;color:#1f2426}.gzl-Button--alternate.gzl-Button--ghost{background-color:transparent;border-color:currentColor;color:#fcd214}.gzl-Button--alternate.gzl-Button--ghost:focus,.gzl-Button--alternate.gzl-Button--ghost:hover{background-color:rgba(252,210,20,.1);color:#ffe45e}.gzl-Button--borderless{background-color:transparent;border-radius:0;box-shadow:0 2px 0 transparent;color:#0073b9;height:auto;padding:0;transition:color .3s ease,box-shadow .3s ease}.gzl-Button--borderless:focus,.gzl-Button--borderless:hover{background-color:transparent;box-shadow:0 2px 0 currentColor;color:#005b98}a.gzl-Button.gzl-Button--borderless{padding-bottom:0;padding-top:0}.gzl-Button--subtle{font-weight:400}.gzl-Button--borderless.gzl-Button--subtle{box-shadow:0 1px 0 transparent}.gzl-Button--borderless.gzl-Button--subtle:hover{box-shadow:0 1px 0 currentColor}.gzl-Button--ghost.in-modeDark,.in-modeDark .gzl-Button--ghost{color:#fff}.gzl-Button--ghost.in-modeDark:focus,.gzl-Button--ghost.in-modeDark:hover,.in-modeDark .gzl-Button--ghost:focus,.in-modeDark .gzl-Button--ghost:hover{background-color:hsla(0,0%,100%,.2);color:#fff}.gzl-Button--borderless.in-modeDark,.gzl-Button--borderless.in-modeDark:focus,.gzl-Button--borderless.in-modeDark:hover,.in-modeDark .gzl-Button--borderless,.in-modeDark .gzl-Button--borderless:focus,.in-modeDark .gzl-Button--borderless:hover{color:#fff}.gzl-Button-icon--left{margin-right:.5rem}.gzl-Button-icon--right{margin-left:.5rem}.gzl-Button--comfortable,.gzl-Button.in-modeComfortable,.in-modeComfortable .gzl-Button{font-size:1.125rem;line-height:2rem;padding:.375rem 1.5rem}.gzl-Button--borderless.gzl-Button--comfortable,.gzl-Button--borderless.in-modeComfortable,.in-modeComfortable .gzl-Button--borderless{height:auto;padding:0}.gzl-Button--compact,.gzl-Button.in-modeCompact,.in-modeCompact .gzl-Button{font-size:.875rem;line-height:1rem;padding:.375rem 1rem}.gzl-Button--borderless.gzl-Button--compact,.gzl-Button--borderless.in-modeCompact,.in-modeCompact .gzl-Button--borderless{height:auto}@media(min-width:37.5em){.gzl-Button--mergeable:not(:first-child),.gzl-Button.in-modeMergeable:not(:first-child),.in-modeMergeable .gzl-Button:not(:first-child){border-bottom-left-radius:0;border-top-left-radius:0}.gzl-Button--mergeable:not(:last-child),.gzl-Button.in-modeMergeable:not(:last-child),.in-modeMergeable .gzl-Button:not(:last-child){border-bottom-right-radius:0;border-top-right-radius:0}}.gzl-Button.is-disabled{pointer-events:none!important}.gzl-Button.is-disabled,.gzl-Button[disabled]{background-color:#e8eced!important;color:#8e999e!important;cursor:not-allowed!important;-webkit-user-select:none!important;-ms-user-select:none!important;user-select:none!important}.gzl-Banner{background-color:#0073b9;color:#fff;padding:2.5rem;text-align:center}.gzl-Banner--secondary{background-color:#fcd214;color:#1f2426}.gzl-Banner--tertiary{background-color:#003561;color:#fff}.gzl-Banner--error{background-color:#cc392f;color:#fff}.gzl-Banner--success{background-color:#1b8533;color:#fff}.gzl-Banner--compact{padding:1.5rem}.gzl-Banner--comfortable{padding:3rem}.gzl-Banner-container{margin-left:auto;margin-right:auto;max-width:1200px}@media(min-width:37.5em){.gzl-Banner-container{align-items:center;display:flex;justify-content:center}}.gzl-Banner-text{margin-bottom:1rem;margin-top:0}.gzl-Banner-text:last-child{margin-bottom:0}@media(min-width:37.5em){.gzl-Banner-text{margin-left:0;margin-right:2rem}.gzl-Banner-text:last-child{margin-right:0}.gzl-Banner-text{margin-bottom:0}}.gzl-Block{margin-left:auto;margin-right:auto;width:100%}.gzl-Block--small{width:75%}@media(min-width:37.5em){.gzl-Block--small{width:50%}}@media(min-width:75em){.gzl-Block--small{width:33.33%}}.gzl-Block--medium{width:100%}@media(min-width:37.5em){.gzl-Block--medium{width:75%}}@media(min-width:56.25em){.gzl-Block--medium{width:66.67%}}@media(min-width:75em){.gzl-Block--medium{width:50%}}.gzl-Block--large{width:100%}@media(min-width:37.5em){.gzl-Block--large{width:75%}}@media(min-width:56.25em){.gzl-Block--large{width:83.33%}}@media(min-width:75em){.gzl-Block--large{width:66.67%}.gzl-Block--xlarge{width:83.33%}}.gzl-Lede{line-height:1.25}@media only screen and (min-width:48em){.gzl-Lede{font-size:1.5rem}}.gzl-Lede.in-modeDark,.in-modeDark .gzl-Lede{color:#fff}.gzl-BodyText{align-items:center;display:flex;flex-direction:column;text-align:left}.gzl-BodyText>*{max-width:40rem;width:100%}.gzl-BodyText dt,.gzl-BodyText h2,.gzl-BodyText h3,.gzl-BodyText h4,.gzl-BodyText h5,.gzl-BodyText h6{margin-bottom:.5rem;margin-top:0}.gzl-BodyText dt:last-child,.gzl-BodyText h2:last-child,.gzl-BodyText h3:last-child,.gzl-BodyText h4:last-child,.gzl-BodyText h5:last-child,.gzl-BodyText h6:last-child{margin-bottom:0}.gzl-BodyText dt,.gzl-BodyText h2,.gzl-BodyText h3,.gzl-BodyText h4,.gzl-BodyText h5,.gzl-BodyText h6{font-weight:600}.gzl-BodyText h2,.gzl-BodyText h3{font-size:1.5rem}.gzl-BodyText h2~h3,.gzl-BodyText h3~h4{font-size:1.25rem}.gzl-BodyText h2~h4,.gzl-BodyText h2~h5,.gzl-BodyText h3~h5,.gzl-BodyText h3~h6{font-size:1.125rem}.gzl-BodyText blockquote,.gzl-BodyText dl,.gzl-BodyText hr,.gzl-BodyText ol,.gzl-BodyText p,.gzl-BodyText pre,.gzl-BodyText ul{margin-bottom:1.5rem;margin-top:0}.gzl-BodyText blockquote:last-child,.gzl-BodyText dl:last-child,.gzl-BodyText hr:last-child,.gzl-BodyText ol:last-child,.gzl-BodyText p:last-child,.gzl-BodyText pre:last-child,.gzl-BodyText ul:last-child{margin-bottom:0}.gzl-BodyText ol,.gzl-BodyText ul{margin-left:0;padding-left:2rem}.gzl-BodyText dd,.gzl-BodyText li{margin-bottom:1rem;margin-top:0}.gzl-BodyText dd:last-child,.gzl-BodyText li:last-child{margin-bottom:0}.gzl-Checkbox{display:block;font-size:0}.gzl-Checkbox label{display:inline-block;font-size:1.125rem;line-height:1.5rem;padding-left:2rem;position:relative}.gzl-Checkbox label:before{background-color:#fff;border:1px solid #b6bec2;border-radius:4px;content:"";height:1.25rem;left:.125rem;position:absolute;top:.125rem;width:1.25rem}.gzl-Checkbox--compact label,.gzl-Checkbox.in-modeCompact label,.in-modeCompact .gzl-Checkbox label{font-size:.875rem}.gzl-Checkbox [type=checkbox]{opacity:0;position:absolute}.gzl-Checkbox [type=checkbox]:active+label:before,.gzl-Checkbox [type=checkbox]:focus+label:before{border-color:#0073b9;outline:0}.gzl-Checkbox [type=checkbox]:checked+label:before{background-color:#0073b9;border-color:#0073b9}.gzl-Checkbox [type=checkbox]:checked+label:after{border-bottom:2px solid #fff;border-left:2px solid #fff;content:"";height:.375rem;left:.375rem;position:absolute;top:.5rem;transform:rotate(-45deg);width:.75rem}.gzl-Checkbox [type=checkbox]:disabled+label,.gzl-Checkbox.is-disabled label,.is-disabled .gzl-Checkbox label{color:#8e999e!important;cursor:not-allowed!important;pointer-events:none!important;-webkit-user-select:none!important;-ms-user-select:none!important;user-select:none!important}.gzl-Checkbox [type=checkbox]:disabled+label:before,.gzl-Checkbox.is-disabled label:before,.is-disabled .gzl-Checkbox label:before{background-color:#f5f7f8!important;border-color:#d5d9db!important}.gzl-Checkbox [type=checkbox]:disabled+label:after,.gzl-Checkbox.is-disabled label:after,.is-disabled .gzl-Checkbox label:after{border-color:#b6bec2!important}.gzl-DataTable{overflow-x:auto}.gzl-DataTable-title{text-align:center}@media(min-width:37.5em){.gzl-DataTable-title{margin-bottom:.5rem}}.gzl-DataTable table{border-collapse:collapse;border-spacing:0;font-variant-numeric:lining-nums tabular-nums;line-height:1.25;text-align:left;width:100%}.gzl-DataTable tr{border-bottom:1px solid #e8eced}.gzl-DataTable tr:last-of-type{border:0}.gzl-DataTable td,.gzl-DataTable th{font-size:1.125rem;padding:1rem .5rem 1rem 1rem}.gzl-DataTable td:last-of-type,.gzl-DataTable th:last-of-type{padding-right:1rem}.gzl-DataTable thead th{font-weight:600}.gzl-DataTable thead tr:last-of-type{border-bottom:1px solid #e8eced}.gzl-DataTable tfoot tr{font-weight:600}.gzl-DataTable tfoot tr:first-of-type,.gzl-DataTable-footnote{border-top:1px solid #e8eced}.gzl-DataTable-footnote{color:#69757a;font-size:.875rem;font-style:italic;line-height:1.25;margin:0;padding:1rem 1rem 0;text-align:right}.gzl-DataTable--striped tbody tr{border:transparent}.gzl-DataTable--striped tbody tr:nth-child(2n){background-color:#f5f7f8}.gzl-DataTable--themed tfoot tr:first-of-type,.gzl-DataTable--themed thead tr:last-of-type{border-color:#0073b9}.gzl-DataTable--comfortable tfoot tr:first-of-type,.gzl-DataTable--comfortable thead tr:last-of-type{border-width:2px}.gzl-DataTable--comfortable td,.gzl-DataTable--comfortable th{font-size:1.25rem;padding:1.5rem 1rem 1.5rem 1.5rem}.gzl-DataTable--comfortable td:last-of-type,.gzl-DataTable--comfortable th:last-of-type{padding-right:1.5rem}.gzl-DataTable--comfortable .gzl-DataTable-footnote{padding-left:1.5rem;padding-right:1.5rem}.gzl-DataTable--compact td,.gzl-DataTable--compact th{font-size:1rem;padding:.5rem}.gzl-DataTable--compact td:last-of-type,.gzl-DataTable--compact th:last-of-type{padding-right:.5rem}.gzl-DataTable--compact .gzl-DataTable-footnote{padding-left:.5rem;padding-right:.5rem}.gzl-EndorsementGroup{overflow:hidden;width:100%}.gzl-EndorsementGroup-title{color:#495257;display:block;font-weight:400;line-height:1;margin-bottom:2rem;text-align:center;text-transform:uppercase}.gzl-EndorsementGroup-list{align-items:center;display:flex;flex-wrap:wrap;justify-content:center;list-style-type:none;margin-bottom:0;margin-top:-2rem;padding-left:0;width:calc(100% + 3rem)}@media(min-width:37.5em){.gzl-EndorsementGroup-list{flex-wrap:nowrap}}.gzl-EndorsementGroup-endorsement{flex:50%;margin-top:2rem;max-width:11rem;padding-right:3rem}@media(min-width:37.5em){.gzl-EndorsementGroup-endorsement{flex:0 1 auto;padding-right:3rem}}.gzl-EndorsementGroup-logo{display:block;margin-left:auto;margin-right:auto;max-width:100%}.gzl-Input{position:relative}.gzl-Input input{background-color:#fff;border:1px solid #b6bec2;border-radius:4px;color:#1f2426;font-size:1rem;padding:.5rem 1rem}.gzl-Input input:active,.gzl-Input input:focus{border-color:#0073b9;box-shadow:inset 0 0 0 1px #0073b9;outline:0}.gzl-Input input{display:inline-block;height:2.5rem;width:100%}.gzl-Input input:not(:first-child){padding-left:calc(2rem + 2px)}.gzl-Input input:not(:last-child){padding-right:calc(2rem + 2px)}.gzl-Input-addon{align-items:center;background-color:#fff;border-radius:4px;bottom:2px;color:#8e999e;display:flex;padding:.25rem .5rem;position:absolute;text-align:center;top:2px}.gzl-Input-addon:first-child{left:2px}.gzl-Input-addon:last-child{right:2px}.gzl-Input-button{align-self:stretch;border-radius:4px;color:#495257;font-size:.875rem;margin-right:-.25rem;padding:0 .5rem}.gzl-Input-button:hover{background-color:#f5f7f8}.gzl-Input--comfortable input,.gzl-Input.in-modeComfortable input,.in-modeComfortable .gzl-Input input{font-size:1.125rem;height:3rem}.gzl-Input--compact input,.gzl-Input.in-modeCompact input,.in-modeCompact .gzl-Input input{font-size:.875rem;height:2rem;padding:.25rem .5rem}.gzl-Input--compact input:not(:first-child),.gzl-Input.in-modeCompact input:not(:first-child),.in-modeCompact .gzl-Input input:not(:first-child){padding-left:calc(2rem + 2px)}.gzl-Input--compact input:not(:last-child),.gzl-Input.in-modeCompact input:not(:last-child),.in-modeCompact .gzl-Input input:not(:last-child){padding-right:calc(2rem + 2px)}.gzl-Input.is-invalid input,.is-invalid .gzl-Input input{border-color:#cc392f;box-shadow:inset 0 0 0 1px #cc392f;fill:#cc392f}.gzl-Input.is-valid input,.is-valid .gzl-Input input{fill:#1b8533}.gzl-Input--mergeable,.gzl-Input.in-modeMergeable,.in-modeMergeable .gzl-Input{flex:1}@media(min-width:37.5em){.gzl-Input--mergeable:not(:first-child) input,.gzl-Input.in-modeMergeable:not(:first-child) input,.in-modeMergeable .gzl-Input:not(:first-child) input{border-bottom-left-radius:0;border-left:0;border-top-left-radius:0}.gzl-Input--mergeable:not(:last-child) input,.gzl-Input.in-modeMergeable:not(:last-child) input,.in-modeMergeable .gzl-Input:not(:last-child) input{border-bottom-right-radius:0;border-right:0;border-top-right-radius:0}}.gzl-Input input:disabled,.gzl-Input input[readonly],.gzl-Input.is-disabled input,.is-disabled .gzl-Input input{background-color:#f5f7f8!important;border-color:#d5d9db!important;box-shadow:none!important;color:#8e999e!important;cursor:not-allowed!important;pointer-events:none!important;-webkit-user-select:none!important;-ms-user-select:none!important;user-select:none!important}.gzl-Radio{display:block;font-size:0}.gzl-Radio label{display:inline-block;font-size:1.125rem;line-height:1.5rem;padding-left:2rem;position:relative}.gzl-Radio label:before{background-color:#fff;border:1px solid #b6bec2;border-radius:50%;content:"";height:1.25rem;left:.125rem;position:absolute;top:.125rem;width:1.25rem}.gzl-Radio--compact label,.gzl-Radio.in-modeCompact label,.in-modeCompact .gzl-Radio label{font-size:.875rem}.gzl-Radio [type=radio]{opacity:0;position:absolute}.gzl-Radio [type=radio]:active+label:before,.gzl-Radio [type=radio]:focus+label:before{border-color:#0073b9;outline:0}.gzl-Radio [type=radio]:checked+label:before{background-color:#0073b9;border-color:#0073b9}.gzl-Radio [type=radio]:checked+label:after{background-color:#fff;border-radius:50%;content:"";display:inline-block;height:.625rem;left:.4375rem;position:absolute;top:.4375rem;width:.625rem}.gzl-Radio [type=radio]:disabled+label,.gzl-Radio.is-disabled label,.is-disabled .gzl-Radio label{color:#8e999e!important;cursor:not-allowed!important;pointer-events:none!important;-webkit-user-select:none!important;-ms-user-select:none!important;user-select:none!important}.gzl-Radio [type=radio]:disabled+label:before,.gzl-Radio.is-disabled label:before,.is-disabled .gzl-Radio label:before{background-color:#f5f7f8!important;border-color:#d5d9db!important}.gzl-Radio [type=radio]:disabled+label:after,.gzl-Radio.is-disabled label:after,.is-disabled .gzl-Radio label:after{background-color:#b6bec2!important}.gzl-Select{color:#b6bec2;display:inline-block;max-width:100%;position:relative}.gzl-Select:after{background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='24' height='24' viewBox='0 0 24 24'%3E%3Cpath fill='%23111' d='M12 15a1 1 0 0 1-.707-.293L6.586 10 8 8.586l4 4 4-4L17.414 10l-4.707 4.707A1 1 0 0 1 12 15'/%3E%3C/svg%3E");content:"";height:1.5rem;margin-top:-.75rem;pointer-events:none;position:absolute;right:.5rem;top:50%;width:1.5rem}.gzl-Select select{background-color:#fff;border:1px solid #b6bec2;border-radius:4px;color:#1f2426;font-size:1rem;padding:.5rem 1rem}.gzl-Select select:active,.gzl-Select select:focus{border-color:#0073b9;box-shadow:inset 0 0 0 1px #0073b9;outline:0}.gzl-Select select{-moz-appearance:none;-webkit-appearance:none;height:2.5rem;min-width:12rem;padding-right:2.5rem}.gzl-Select select::-ms-expand{display:none}.gzl-Select select:focus::-ms-value{background:transparent;color:#1f2426}.gzl-Select select:-moz-focusring{color:transparent;text-shadow:0 0 0 #1f2426}.gzl-Select--comfortable select,.gzl-Select.in-modeComfortable select,.in-modeComfortable .gzl-Select select{font-size:1.125rem;height:3rem}.gzl-Select--compact select,.gzl-Select.in-modeCompact select,.in-modeCompact .gzl-Select select{font-size:.875rem;height:2rem;padding:.25rem .5rem}.gzl-Select--compact:after,.gzl-Select.in-modeCompact:after,.in-modeCompact .gzl-Select:after{right:.5rem}.gzl-Select.is-invalid,.is-invalid .gzl-Select{color:#cc392f}.gzl-Select.is-invalid select,.is-invalid .gzl-Select select{border-color:#cc392f;box-shadow:inset 0 0 0 1px #cc392f;fill:#cc392f}.gzl-Select.is-invalid select:-moz-focusring,.is-invalid .gzl-Select select:-moz-focusring{color:transparent;text-shadow:0 0 0 #cc392f}.gzl-Select.is-invalid select:focus::-ms-value,.is-invalid .gzl-Select select:focus::-ms-value{color:#cc392f}.gzl-Select.is-valid select,.is-valid .gzl-Select select{fill:#1b8533}.gzl-Select select:disabled,.gzl-Select.is-disabled select,.is-disabled .gzl-Select select{background-color:#f5f7f8!important;border-color:#d5d9db!important;box-shadow:none!important;color:#8e999e!important;cursor:not-allowed!important;pointer-events:none!important;-webkit-user-select:none!important;-ms-user-select:none!important;user-select:none!important}.gzl-Textarea{display:inline-block;position:relative;width:100%}.gzl-Textarea textarea{background-color:#fff;border:1px solid #b6bec2;border-radius:4px;color:#1f2426;font-size:1rem;padding:.5rem 1rem}.gzl-Textarea textarea:active,.gzl-Textarea textarea:focus{border-color:#0073b9;box-shadow:inset 0 0 0 1px #0073b9;outline:0}.gzl-Textarea textarea{display:block;resize:vertical;width:100%}.gzl-Textarea-counter{background-color:#fff;color:#8e999e;font-size:.875rem;line-height:1;pointer-events:none;position:absolute}.gzl-Textarea-counter:not(:empty){bottom:.5rem;right:1rem}.gzl-Textarea-counter:not(:empty)+textarea{padding-bottom:1.5rem}.gzl-Textarea--comfortable textarea,.gzl-Textarea.in-modeComfortable textarea,.in-modeComfortable .gzl-Textarea textarea{font-size:1.125rem}.gzl-Textarea--compact textarea,.gzl-Textarea.in-modeCompact textarea,.in-modeCompact .gzl-Textarea textarea{font-size:.875rem;padding:.25rem .5rem}.gzl-Textarea.is-invalid textarea,.is-invalid .gzl-Textarea textarea{border-color:#cc392f;box-shadow:inset 0 0 0 1px #cc392f;fill:#cc392f}.gzl-Textarea.is-valid textarea,.is-valid .gzl-Textarea textarea{fill:#1b8533}.gzl-Textarea textarea:disabled,.gzl-Textarea textarea[readonly],.gzl-Textarea.is-disabled textarea,.is-disabled .gzl-Textarea textarea{background-color:#f5f7f8!important;border-color:#d5d9db!important;box-shadow:none!important;color:#8e999e!important;cursor:not-allowed!important;pointer-events:none!important;-webkit-user-select:none!important;-ms-user-select:none!important;user-select:none!important}.gzl-FormField{margin-bottom:1rem;margin-top:0}.gzl-FormField:last-child{margin-bottom:0}.gzl-FormField{text-align:left}.gzl-FormField-control,.gzl-FormField-error,.gzl-FormField-help,.gzl-FormField-label{margin-bottom:.25rem;margin-top:0}.gzl-FormField-control:last-child,.gzl-FormField-error:last-child,.gzl-FormField-help:last-child,.gzl-FormField-label:last-child{margin-bottom:0}.gzl-FormField-label{display:inline-block;font-size:1rem;font-weight:600;line-height:1}.gzl-FormField-note{color:#69757a;font-weight:400}.gzl-FormField-control--xs{max-width:6.25rem}.gzl-FormField-control--s{max-width:12.5rem}.gzl-FormField-control--m{max-width:18.75rem}.gzl-FormField-control--l{max-width:26.5625rem}.gzl-FormField-control--xl{max-width:34.375rem}.gzl-FormField-error,.gzl-FormField-help{font-size:.875rem;line-height:1}.gzl-FormField-error>a,.gzl-FormField-help>a{color:inherit}.gzl-FormField-help{color:#69757a}.gzl-FormField-error{color:#cc392f}.gzl-FormField--compact .gzl-FormField-label,.gzl-FormField.in-modeCompact .gzl-FormField-label,.in-modeCompact .gzl-FormField-label{font-size:.875rem}.gzl-FormField--comfortable .gzl-FormField-label,.gzl-FormField.in-modeComfortable .gzl-FormField-label,.in-modeComfortable .gzl-FormField-label{font-size:1.125rem}.gzl-FormField.in-modeDark .gzl-FormField-help,.gzl-FormField.in-modeDark .gzl-FormField-note{color:inherit}.gzl-FormField.is-invalid-label,.is-invalid .gzl-FormField-label{color:#cc392f}.gzl-FormField.is-disabled-help,.gzl-FormField.is-disabled-label,.is-disabled .gzl-FormField-help,.is-disabled .gzl-FormField-label{color:#8e999e!important}.gzl-Heading{color:#1f2426;font-weight:600;line-height:1.25}.gzl-Heading.in-modeDark,.in-modeDark .gzl-Heading{color:#fff}.gzl-Heading--primary{font-size:2.125rem;font-weight:700;line-height:1.1}@media only screen and (min-width:48em){.gzl-Heading--primary{font-size:3rem}}.gzl-Heading--secondary{font-size:1.5rem}@media only screen and (min-width:48em){.gzl-Heading--secondary{font-size:2.125rem}}.gzl-Heading--tertiary{font-size:1.125rem}@media only screen and (min-width:48em){.gzl-Heading--tertiary{font-size:1.5rem}}.gzl-Heading--rant{text-transform:uppercase}.gzl-Heading>b,.gzl-Heading>strong{font-weight:400}.gzl-Heading>a{color:inherit}.gzl-InlineForm-control,.gzl-InlineForm-error,.gzl-InlineForm-help{margin-bottom:.5rem;margin-top:0}.gzl-InlineForm-control:last-child,.gzl-InlineForm-error:last-child,.gzl-InlineForm-help:last-child{margin-bottom:0}.gzl-InlineForm-control{display:inline-flex;max-width:30.3125rem;width:100%}@media(max-width:37.4375em){.gzl-InlineForm-control{flex-direction:column;max-width:none}.gzl-InlineForm-control>*{margin-bottom:.5rem;margin-top:0}.gzl-InlineForm-control>:last-child{margin-bottom:0}}.gzl-InlineForm-error,.gzl-InlineForm-help{font-size:.875rem;line-height:1}.gzl-InlineForm-error>a,.gzl-InlineForm-help>a{color:inherit}.gzl-InlineForm-error{color:#cc392f}.gzl-MediaObject{margin-bottom:1rem;margin-top:0}.gzl-MediaObject:last-child{margin-bottom:0}.gzl-MediaObject{align-items:flex-start;display:flex}.gzl-MediaObject--centered{align-items:center;justify-content:center}.gzl-MediaObject--verticalAlignStart{align-items:flex-start}.gzl-MediaObject--verticalAlignCenter{align-items:center}.gzl-MediaObject--horizontalAlignStart{justify-content:flex-start}.gzl-MediaObject--horizontalAlignCenter{justify-content:center}.gzl-MediaObject--horizontalAlignEnd{justify-content:flex-end}@media(max-width:37.4375em){.gzl-MediaObject--stacked{flex-direction:column}.gzl-MediaObject--verticalAlignStart.gzl-MediaObject--stacked{justify-content:flex-start}.gzl-MediaObject--verticalAlignCenter.gzl-MediaObject--stacked{justify-content:center}.gzl-MediaObject--horizontalAlignStart.gzl-MediaObject--stacked{align-items:flex-start}.gzl-MediaObject--horizontalAlignEnd.gzl-MediaObject--stacked{align-items:flex-end}.gzl-MediaObject--horizontalAlignCenter.gzl-MediaObject--stacked{align-items:center}}.gzl-MediaObject-figure{display:block;flex-shrink:0;margin-right:1rem}.gzl-MediaObject--reversed .gzl-MediaObject-figure{margin-left:1rem;margin-right:0;order:1}@media(max-width:37.4375em){.gzl-MediaObject--stacked .gzl-MediaObject-figure{margin-bottom:.5rem;margin-left:0;margin-right:0}.gzl-MediaObject--reversed.gzl-MediaObject--stacked .gzl-MediaObject-figure{order:0}}.gzl-MediaObject-body{margin-bottom:0;margin-top:0;min-width:0}.gzl-SideNav{background:#fff;display:flex;flex-direction:column;height:100%}.gzl-SideNav-controller{align-items:center;display:none;flex-direction:row;justify-content:flex-end}.gzl-SideNav-close{border-radius:4px;color:#b6bec2;line-height:1;margin:.5rem;padding:.5rem}.gzl-SideNav-close:active{color:#69757a}.gzl-SideNav-close:focus,.gzl-SideNav-close:hover{background-color:#f5f7f8}.gzl-SideNav-logo{max-height:6rem}.gzl-SideNav-logoContainer{display:none}@media(min-width:56.25em){.gzl-SideNav-logoContainer{display:flex;justify-content:space-around;margin-bottom:1rem;padding:2rem}}.gzl-SideNav-container{display:flex;flex-direction:column;flex-grow:1;height:auto;justify-content:space-between;margin:0 1rem 1rem;overflow:auto}.gzl-SideNav-icon{margin-right:1rem}.gzl-SideNav-item{border-radius:4px;margin-bottom:.25rem}.gzl-SideNav-item.is-current{background-color:#f5f7f8;color:#0073b9;font-weight:600}.gzl-SideNav-link{align-items:center;border-radius:4px;color:inherit;display:flex;flex-direction:row;line-height:1.5;padding:.5rem 1rem;text-decoration:none;width:100%}.gzl-SideNav-link:focus,.gzl-SideNav-link:hover{background-color:#f5f7f8}.gzl-SideNav-link:active{background-color:#e8eced}.gzl-SideNav.is-loaded .gzl-SideNav-controller{display:flex}@media(min-width:56.25em){.gzl-SideNav.is-loaded .gzl-SideNav-controller{display:none}}.gzl-SidebarLayout{height:100%;margin:0;width:100%}@media(min-width:56.25em){.gzl-SidebarLayout-content{padding-left:15rem}}.gzl-SidebarLayout-nav{background-color:#f5f7f8;box-shadow:0 6px 16px 0 rgba(31,36,38,.15);height:100%;max-width:24rem;position:fixed;right:0;top:0;transform:translateX(150%);transition:transform .3s ease-in-out;width:90%;z-index:997}@media(min-width:56.25em){.gzl-SidebarLayout-nav{box-shadow:0 2px 4px 0 rgba(31,36,38,.1);right:auto;transform:translateX(0);transition:none;width:15rem;z-index:996}}.gzl-SidebarLayout-nav.is-open{transform:translateX(0);transition:transform .6s ease-in-out}.gzl-Slice{overflow-x:hidden;padding:2.5rem 1rem;position:relative;width:100%}@media(min-width:37.5em){.gzl-Slice{padding:3rem 1.5rem}}@media(min-width:56.25em){.gzl-Slice{padding:4.5rem 3rem}}.gzl-Slice.in-modeDark,.in-modeDark .gzl-Slice{color:#fff}.gzl-Slice-container{margin-left:auto;margin-right:auto;max-width:1200px}.gzl-Slice--small{padding-bottom:1.5rem;padding-top:1.5rem}@media(min-width:37.5em){.gzl-Slice--small{padding-bottom:2rem;padding-top:2rem}}@media(min-width:56.25em){.gzl-Slice--small{padding-bottom:3rem;padding-top:3rem}}.gzl-Slice--large{padding-bottom:3rem;padding-top:3rem}@media(min-width:37.5em){.gzl-Slice--large{padding-bottom:4.5rem;padding-top:4.5rem}}@media(min-width:56.25em){.gzl-Slice--large{padding-bottom:6rem;padding-top:6rem}}.gzl-Spread{display:flex;flex-direction:column;width:100%}@media(min-width:56.25em){.gzl-Spread{align-items:flex-start;flex-direction:row}.gzl-Spread--verticalAlignCenter{align-items:center}.gzl-Spread--verticalAlignBottom{align-items:flex-end}.gzl-Spread-contentContainer{flex:1 0 0%}}.gzl-Spread--stackContentFirst .gzl-Spread-contentContainer{margin-bottom:2rem}@media(min-width:56.25em){.gzl-Spread--stackContentFirst .gzl-Spread-contentContainer{margin-bottom:0}}.gzl-Spread-mediaContainer{align-items:center;display:flex;flex-direction:column;height:100%;margin-bottom:2rem;order:-1}@media(min-width:56.25em){.gzl-Spread-mediaContainer{flex:1 0 0%;margin-bottom:0;min-width:0;order:0}}.gzl-Spread-mediaContainer>*{flex-shrink:0}.gzl-Spread--largerMedia .gzl-Spread-mediaContainer{flex:0 1 66.67%}.gzl-Spread--smallerMedia .gzl-Spread-mediaContainer{flex:0 1 33.34%}.gzl-Spread--stackContentFirst .gzl-Spread-mediaContainer{margin-bottom:0;order:1}@media(min-width:56.25em){.gzl-Spread--stackContentFirst .gzl-Spread-mediaContainer{order:0}.gzl-Spread>:first-child{margin-right:3rem}}.gzl-Testimonial{background-color:#fff;border-radius:8px;border-top:8px solid #d5d9db;box-shadow:0 16px 40px 0 rgba(31,36,38,.18);display:flex;flex-direction:column;padding:2rem 1rem;text-align:center}@media(min-width:37.5em){.gzl-Testimonial{padding:3rem 1.5rem}}@media(min-width:56.25em){.gzl-Testimonial{padding:3rem}}.gzl-Testimonial-imageWrapper{margin:0 auto 2rem;max-height:109px;max-width:109px}@media(min-width:37.5em){.gzl-Testimonial-imageWrapper{margin-bottom:3rem}}@media(min-width:75em){.gzl-Testimonial-imageWrapper{margin-bottom:2rem}}.gzl-Testimonial-image{border-radius:50%}.gzl-Testimonial-fallbackImage{fill:#d5d9db}.gzl-Testimonial-quote{color:#1f2426;font-size:1rem;line-height:1.5;margin-bottom:2rem}@media(min-width:37.5em){.gzl-Testimonial-quote{margin-bottom:3rem}}@media(min-width:75em){.gzl-Testimonial-quote{font-size:1.5rem;margin-bottom:2rem}}.gzl-Testimonial-attribution{border-left:4px solid #d5d9db;color:#1f2426;font-size:1rem;margin-left:auto;margin-right:auto;padding:.25rem .5rem;text-align:left}.gzl-Testimonial-contributor{color:#1f2426;font-size:1rem;font-weight:600;margin-bottom:0}.gzl-Testimonial-description{font-size:1rem;font-style:italic}.gzl-Testimonial.is-selected{border-top-color:#0073b9}.gzl-Testimonial.is-selected .gzl-Testimonial-attribution{border-left-color:#0073b9}.gzl-Testimonial.is-selected .gzl-Testimonial-fallbackImage{fill:#0073b9}.gzl-Toggle{cursor:pointer;display:block;position:relative}.gzl-Toggle [type=checkbox]{opacity:0;position:absolute}.gzl-Toggle [type=checkbox]:focus+label:before{border-color:#0073b9;border-width:2px}.gzl-Toggle [type=checkbox]:checked+label:before{background:#0073b9;border-color:#0073b9}.gzl-Toggle [type=checkbox]:checked+label:after{transform:translate(1rem)}.gzl-Toggle [type=checkbox]:checked:focus+label:before{border-color:#0091d9}.gzl-Toggle [type=checkbox].is-disabled+label,.gzl-Toggle [type=checkbox]:disabled+label{color:#8e999e}.gzl-Toggle [type=checkbox].is-disabled+label:before,.gzl-Toggle [type=checkbox]:disabled+label:before{background-color:#f5f7f8!important;border-color:#d5d9db!important;box-shadow:none!important;color:#8e999e!important;cursor:not-allowed!important;pointer-events:none!important;-webkit-user-select:none!important;-ms-user-select:none!important;user-select:none!important}.gzl-Toggle [type=checkbox].is-disabled+label:after,.gzl-Toggle [type=checkbox]:disabled+label:after{background:#d5d9db}.gzl-Toggle label{display:inline-block;line-height:1.5rem;padding-left:3rem;position:relative;white-space:nowrap}.gzl-Toggle label:after,.gzl-Toggle label:before{border-radius:.75rem;content:"";display:block;position:absolute;transition:background .32s cubic-bezier(.19,1,.22,1),transform .32s cubic-bezier(.19,1,.22,1),border .32s cubic-bezier(.19,1,.22,1)}.gzl-Toggle label:before{background-color:#8e999e;border:1px solid #b6bec2;height:1.5rem;left:0;top:0;width:2.5rem}.gzl-Toggle label:after{background:#fff;height:1rem;left:.25rem;top:.25rem;width:1rem}.gds-Card{background-color:#fff;border-radius:8px;box-shadow:0 6px 16px 0 rgba(31,36,38,.15);color:#1f2426;text-align:left}@media(min-width:37.5em){.gds-Card{display:flex;flex-direction:column}}.gds-Card-body{max-width:40em;padding:1.5rem .75rem}.gds-Card-imageLink{flex-shrink:0}.gds-Card-image,.gds-Card-imageLink{border-top-left-radius:8px;border-top-right-radius:8px;display:block}.gds-Card-image{margin-left:auto;margin-right:auto}.gds-Card-title{margin-bottom:.75rem}.gds-Card-title>a{color:inherit;text-decoration:none}.gds-Card-text{margin:0;max-width:40em}.gds-Card-footer{border-top:1px solid #d5d9db;margin-top:auto;padding-left:.75rem;padding-right:.75rem;text-align:center}.gds-Card-transitionalCta{display:block;padding-bottom:.75rem;padding-top:.75rem}.gds-Link--standalone{display:inline-block;padding-right:.5rem;text-decoration:none}.gds-Link--standalone:after{border:2px solid;border-left:0;border-top:0;content:"";display:inline-block;height:.35em;margin-left:.5rem;transform:translate(-.1em,-.075em) rotate(-45deg);width:.35em}.gds-Link--standalone:focus,.gds-Link--standalone:hover{text-decoration:underline}.gds-Callout{width:100%}.gds-Callout--alternate,.gds-Callout.in-modeDark,.in-modeDark .gds-Callout{color:#fff}.gds-Callout-container{margin-left:auto;margin-right:auto;max-width:1200px;padding:3rem 1.5rem;text-align:center}@media only screen and (min-width:48em){.gds-Callout-container{padding-left:3rem;padding-right:3rem}}.gds-Callout-container--left{text-align:left}.gds-Callout-container--right{text-align:right}.gds-Callout-logo{display:inline-block;margin-bottom:.75rem}.gds-Callout-logo>img{display:block}.gds-Callout-lede{margin-left:auto;margin-right:auto;max-width:40em}.gds-Callout-body{margin:.75rem auto 0;max-width:40em}.gds-Callout-directCta{margin-top:2.25rem}.gds-Callout-transitionalCta{margin-top:.75rem}.gds-Callout--alternate .gds-Callout-title,.gds-Callout--alternate .gds-Callout-transitionalCta,.gds-Callout.in-modeDark .gds-Callout-title,.gds-Callout.in-modeDark .gds-Callout-transitionalCta,.in-modeDark .gds-Callout-title,.in-modeDark .gds-Callout-transitionalCta{color:inherit}.gds-Callout-container--left .gds-Callout-body,.gds-Callout-container--left .gds-Callout-lede{margin-left:0}.gds-Callout-container--right .gds-Callout-body,.gds-Callout-container--right .gds-Callout-lede{margin-right:0}.gds-CardGroup{padding:1.5rem;text-align:center}@media only screen and (min-width:48em){.gds-CardGroup{padding:3rem}}.gds-CardGroup--alternate,.gds-CardGroup.in-modeDark,.in-modeDark .gds-CardGroup{color:#fff}.gds-CardGroup-title{margin-bottom:1.5rem;margin-left:auto;margin-right:auto;max-width:1200px}.gds-CardGroup--alternate .gds-CardGroup-title,.gds-CardGroup.in-modeDark .gds-CardGroup-title,.in-modeDark .gds-CardGroup-title{color:inherit}.gds-CardGroup-list{display:flex;justify-content:center;list-style-type:none;margin:0 auto;max-width:1200px;padding-left:0}@media(max-width:37.4375em){.gds-CardGroup-list{flex-direction:column;max-width:25em}}@media(min-width:37.5em){.gds-CardGroup-list:after{clear:both;content:"";display:table}.gds-CardGroup-list{flex-wrap:wrap}}.gds-CardGroup-item{margin-top:1.5rem}@media(min-width:37.5em){.gds-CardGroup-item{float:left;margin-left:4%;width:48%}.gds-CardGroup-item:nth-child(2){margin-top:0}.gds-CardGroup-item:nth-child(odd){margin-left:0}}@media only screen and (min-width:55em){.gds-CardGroup-item{margin-left:2%;width:32%}.gds-CardGroup-item:nth-child(3){margin-top:0}.gds-CardGroup-item:nth-child(odd){margin-left:2%}.gds-CardGroup-item:nth-child(3n+1){margin-left:0}}@media only screen and (min-width:62.5em){.gds-CardGroup-item{margin-left:1.33333%;width:24%}.gds-CardGroup-item:nth-child(4){margin-top:0}.gds-CardGroup-item:nth-child(3n+1),.gds-CardGroup-item:nth-child(odd){margin-left:1.33333%}.gds-CardGroup-item:nth-child(4n+1){margin-left:0}}.gds-CardGroup-item:first-child{margin-top:0}.gds-FeatureGroup{padding:1.5rem;text-align:center}@media only screen and (min-width:48em){.gds-FeatureGroup{padding:3rem}}.gds-FeatureGroup.in-modeDark,.in-modeDark .gds-FeatureGroup{color:#fff}.gds-FeatureGroup-title{margin-bottom:1.5rem;margin-left:auto;margin-right:auto;max-width:1200px}.gds-FeatureGroup-title--item{margin:.75rem 0 0;max-width:100%}.gds-FeatureGroup-list{margin-left:auto;margin-right:auto;max-width:1200px}.gds-FeatureGroup-list:after{clear:both;content:"";display:table}.gds-FeatureGroup-list{list-style-type:none;margin-bottom:0;margin-top:0;padding-left:0}@media only screen and (min-width:54.75em){.gds-FeatureGroup-list{display:flex;justify-content:center}}.gds-FeatureGroup-feature{margin-top:4.5rem;position:relative}@media only screen and (min-width:54.75em){.gds-FeatureGroup-feature{align-items:center;display:flex;flex:1;flex-direction:column;float:left;margin-top:0}.gds-FeatureGroup-feature:first-child:nth-last-child(2),.gds-FeatureGroup-feature:first-child:nth-last-child(2)~.gds-FeatureGroup-feature{width:47.5%}.gds-FeatureGroup-feature:first-child:nth-last-child(2):before,.gds-FeatureGroup-feature:first-child:nth-last-child(2)~.gds-FeatureGroup-feature:before{left:-5.5%}.gds-FeatureGroup-feature:first-child:nth-last-child(3),.gds-FeatureGroup-feature:first-child:nth-last-child(3)~.gds-FeatureGroup-feature{width:30%}.gds-FeatureGroup-feature:first-child:nth-last-child(3):before,.gds-FeatureGroup-feature:first-child:nth-last-child(3)~.gds-FeatureGroup-feature:before{left:-8.5%}.gds-FeatureGroup-feature:first-child:nth-last-child(2)~.gds-FeatureGroup-feature,.gds-FeatureGroup-feature:first-child:nth-last-child(3)~.gds-FeatureGroup-feature{margin-left:5%}.gds-FeatureGroup-feature:first-child:nth-last-child(4),.gds-FeatureGroup-feature:first-child:nth-last-child(4)~.gds-FeatureGroup-feature{width:22%}.gds-FeatureGroup-feature:first-child:nth-last-child(4):before,.gds-FeatureGroup-feature:first-child:nth-last-child(4)~.gds-FeatureGroup-feature:before{left:-10%}.gds-FeatureGroup-feature:first-child:nth-last-child(4)~.gds-FeatureGroup-feature{margin-left:4%}}.gds-FeatureGroup-feature:first-child{margin-top:0;padding-left:0}.gds-FeatureGroup-feature:first-child:before{display:none}.gds-FeatureGroup-feature:before{background:linear-gradient(90deg,hsla(198,7%,45%,0) 0,hsla(198,7%,45%,.5) 50%,hsla(198,7%,45%,0));content:"";height:2px;position:absolute;right:10%;top:-2.25rem;width:80%}@media only screen and (min-width:54.75em){.gds-FeatureGroup-feature:before{background:linear-gradient(180deg,hsla(198,7%,45%,0) 0,hsla(198,7%,45%,.5) 50%,hsla(198,7%,45%,0));height:80%;position:absolute;right:auto;top:10%;width:2px}}.gds-FeatureGroup--withoutDividers .gds-FeatureGroup-feature:before{background:none}.gds-FeatureGroup-body{margin:.75rem auto 1.5rem;max-width:100%}.gds-FeatureGroup-directCta{margin-top:2.25rem}.gds-FeatureGroup-directCta--item{margin-top:auto}@media only screen and (max-width:47.9375em){.gds-FeatureGroup-directCta--item{display:block;margin-left:auto;margin-right:auto;max-width:40em}}.gds-FeatureGroup-transitionalCta{margin-top:.75rem}.gds-FeatureGroup.in-modeDark .gds-FeatureGroup-transitionalCta,.in-modeDark .gds-FeatureGroup-transitionalCta{color:inherit}.gds-Hero{position:relative}.gds-Hero--alternate,.gds-Hero.in-modeDark,.in-modeDark .gds-Hero{color:#fff}.gds-Hero-container{margin-left:auto;margin-right:auto;max-width:1200px;padding:3rem 1.5rem;text-align:center}@media only screen and (min-width:48em){.gds-Hero-container{padding:6rem 3rem}}.gds-Hero-container--left{text-align:left}.gds-Hero-container--right{text-align:right}.gds-Hero-logo{display:inline-block;margin-bottom:.75rem}.gds-Hero-logo>img{display:block}.gds-Hero-subtitle{color:inherit;display:block;margin-top:.75rem}.gds-Hero-lede{margin-left:auto;margin-right:auto;margin-top:.75rem;max-width:40em}.gds-Hero-directCta{margin-top:2.25rem}.gds-Hero-transitionalCta{margin-top:.75rem}.gds-Hero--alternate .gds-Hero-title,.gds-Hero--alternate .gds-Hero-transitionalCta,.gds-Hero.in-modeDark .gds-Hero-title,.gds-Hero.in-modeDark .gds-Hero-transitionalCta,.in-modeDark .gds-Hero-title,.in-modeDark .gds-Hero-transitionalCta{color:inherit}.gds-Hero-container--left .gds-Hero-lede{margin-left:0}.gds-Hero-container--left .gds-Hero-lede,.gds-Hero-container--left .gds-Hero-subtitle,.gds-Hero-container--left .gds-Hero-title{max-width:75%}@media only screen and (min-width:48em){.gds-Hero-container--left .gds-Hero-lede,.gds-Hero-container--left .gds-Hero-subtitle,.gds-Hero-container--left .gds-Hero-title{max-width:55%}}.gds-Hero-container--right .gds-Hero-lede{margin-right:0}.gds-Intro.in-modeDark,.in-modeDark .gds-Intro{color:#fff}.gds-Intro-container{margin-left:auto;margin-right:auto;max-width:1200px;padding:3rem 1.5rem 1.5rem;text-align:center}@media only screen and (min-width:48em){.gds-Intro-container{padding-left:3rem;padding-right:3rem}}.gds-Intro-container--left{text-align:left}.gds-Intro-container--right{text-align:right}.gds-Intro-logo{display:inline-block;margin-bottom:.75rem}.gds-Intro-logo>img{display:block}.gds-Intro-subtitle{color:inherit;display:block;margin-top:.75rem}.gds-Intro-body,.gds-Intro-lede{margin:.75rem auto 0;max-width:40em}.gds-Intro-container--left .gds-Intro-body,.gds-Intro-container--left .gds-Intro-lede{margin-left:0}.gds-Intro-container--right .gds-Intro-body,.gds-Intro-container--right .gds-Intro-lede{margin-right:0}.gds-MediaObject.in-modeDark,.in-modeDark .gds-MediaObject{color:#fff}.gds-MediaObject-container:after{clear:both;content:"";display:table}.gds-MediaObject-container{margin-left:auto;margin-right:auto;max-width:1200px;padding:1.5rem 1rem}@media only screen and (min-width:48em){.gds-MediaObject-container{align-items:center;display:flex;padding-left:3rem;padding-right:3rem}.gds-MediaObject--fullBleed .gds-MediaObject-container{padding:0}}.gds-MediaObject-title{margin-bottom:.75rem}.gds-MediaObject-body{text-align:left}@media only screen and (max-width:47.9375em){.gds-MediaObject-body{margin-top:1.5rem}}@media only screen and (min-width:48em){.gds-MediaObject-body{flex:1;padding-left:3rem}}.gds-MediaObject-body>p{margin:0;max-width:40em}.gds-MediaObject-body>p+p{margin-top:.75rem}.gds-MediaObject-body--center{text-align:center}.gds-MediaObject-body--center>p{margin-left:auto;margin-right:auto}.gds-MediaObject-body--right{text-align:right}.gds-MediaObject-body--right>p{margin-left:auto}@media only screen and (min-width:48em){.gds-MediaObject--fullBleed .gds-MediaObject-body{padding-bottom:1.5rem;padding-right:3rem;padding-top:1.5rem}.gds-MediaObject--reversed .gds-MediaObject-body{padding-left:0;padding-right:3rem;text-align:right}}.gds-MediaObject--reversed .gds-MediaObject-body>p{margin-left:auto}.gds-MediaObject--reversed .gds-MediaObject-body--left{text-align:left}.gds-MediaObject--reversed .gds-MediaObject-body--left>p{margin-left:0;margin-right:auto}.gds-MediaObject--reversed .gds-MediaObject-body--center{text-align:center}@media only screen and (min-width:48em){.gds-MediaObject--reversed.gds-MediaObject--fullBleed .gds-MediaObject-body{padding-left:3rem}}.gds-MediaObject-image{display:block;margin-left:auto;margin-right:auto}@media only screen and (min-width:48em){.gds-MediaObject-image{float:left}.gds-MediaObject--reversed .gds-MediaObject-image{float:right;order:1}}.gds-Spread{display:block;position:relative;text-align:left}.gds-Spread--alternate,.gds-Spread.in-modeDark,.in-modeDark .gds-Spread{color:#fff}.gds-Spread-container{margin-left:auto;margin-right:auto;max-width:1200px}@media(min-width:56.25em){.gds-Spread-container{display:flex}}.gds-Spread-imageWrapper{align-self:center;background-position:50%;background-size:cover;display:block}@media(min-width:56.25em){.gds-Spread-imageWrapper{flex:1;margin-bottom:0;padding-left:2.25rem;padding-right:2.25rem}}.gds-Spread:not(.gds-Spread--fullBleed) .gds-Spread-imageWrapper{background:none!important}.gds-Spread-image{display:block;min-width:100%}@media(min-width:56.25em){.gds-Spread-image{flex:1;min-width:0}}.gds-Spread-body{padding:3rem 2.25rem}@media(min-width:56.25em){.gds-Spread-body{flex:1;padding:6rem 2.25rem}}.gds-Spread-label{display:inline-block;margin-bottom:2.25rem;text-transform:uppercase}.gds-Spread a.gds-Spread-label{text-decoration:none}.gds-Spread a.gds-Spread-label:hover{text-decoration:underline}.gds-Spread-title>a{color:inherit;text-decoration:none}.gds-Spread-title>a:hover{text-decoration:underline}.gds-Spread-lede{margin-left:auto;margin-right:auto;margin-top:.75rem;max-width:40em}.gds-Spread-directCta{margin-top:1.5rem}.gds-Spread-footer{font-style:italic;margin-top:1.5rem}.gds-Spread-footer>a{color:inherit;text-decoration:none}.gds-Spread-footer>a:hover{text-decoration:underline}.gds-Spread-footer:before{background:#333a3d;content:"";display:block;height:3px;margin-bottom:1.5rem;margin-top:2.25rem;width:6rem}@media(max-width:37.4375em){.gds-Spread--fullBleed .gds-Spread-imageWrapper{background:none!important}}@media(min-width:37.5em)and (max-width:56.1875em){.gds-Spread--fullBleed .gds-Spread-imageWrapper{background:none!important}}@media(min-width:56.25em){.gds-Spread--fullBleed .gds-Spread-imageWrapper{align-self:auto;display:flex;padding-left:0;padding-right:0}.gds-Spread--fullBleed .gds-Spread-image{border:0;clip:rect(0 0 0 0);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute;width:1px}.gds-Spread--reversed .gds-Spread-image,.gds-Spread--reversed .gds-Spread-imageWrapper{order:2}}.gds-Spread--reversed .gds-Spread-body{padding-left:2.25rem;padding-right:2.25rem}.gds-Spread--alternate .gds-Spread-label,.gds-Spread--alternate .gds-Spread-title,.gds-Spread.in-modeDark .gds-Spread-label,.gds-Spread.in-modeDark .gds-Spread-title,.in-modeDark .gds-Spread-label,.in-modeDark .gds-Spread-title{color:inherit}.gds-Spread--alternate .gds-Spread-footer:before,.gds-Spread.in-modeDark .gds-Spread-footer:before,.in-modeDark .gds-Spread-footer:before{background:#fff}.u-Hide{display:none!important}.u-inlineFlex{display:inline-flex!important}.u-flex{display:flex!important}.u-justifyContentLeft{justify-content:start!important}.u-justifyContentCenter{justify-content:center!important}.u-justifyContentRight{justify-content:end!important}@media screen and (min-width:37.5em){.u-textAlignLeft\@sm{text-align:left!important}.u-textAlignCenter\@sm{text-align:center!important}.u-textAlignRight\@sm{text-align:right!important}.u-justifyContentLeft\@sm{justify-content:start!important}.u-justifyContentCenter\@sm{justify-content:center!important}.u-justifyContentRight\@sm{justify-content:end!important}.u-alignItemsLeft\@sm{align-items:flex-start!important}.u-alignItemsCenter\@sm{align-items:center!important}.u-alignItemsRight\@sm{align-items:flex-end!important}}      </style>

    





<script>document.documentElement.classList.add('js');</script>


    <style>html { scroll-behavior: smooth;}</style>
    <script>
(function () {
    const interval = setInterval(() => {
        if (!window._rsMasthead || !window.analytics) {
            return;
        }
        function handleEvent(event) {
            var _a;
            if (event.origin !== 'https://www.ramseysolutions.com' || ((_a = event.data) === null || _a === void 0 ? void 0 : _a.eventName) !== 'isAuthenticated') {
                return;
            }
            if (event.data.user.userId && event.data.user.emailAddress) {
                window.analytics.identify(event.data.user.userId, { email: event.data.user.emailAddress });
            }
        }
        clearInterval(interval);
        window._rsMasthead.messageOrchestrator.registerListener(handleEvent);
    }, 10);
    setTimeout(() => {
        clearInterval(interval);
    }, 10000);
})();
</script>
    <script>gtmDataLayer = [];</script>
<script>(function(w,d,s,l,i){var q=(/(test|qa)/.test(document.location.hostname)) ? "&gtm_auth=QdsxPg__bulLcFg0npL1Xg&gtm_preview=env-5&gtm_cookies_win=x" : "";w[l]=w[l]||[];w[l].push({'gtm.start':new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src='https://www.googletagmanager.com/gtm.js?id='+i+dl+q;f.parentNode.insertBefore(j,f);})(window,document,'script','gtmDataLayer','GTM-5Z3Z28D');</script>

<script>
  window.MSInputMethodContext &&
    document.documentMode &&
    document.write(
      '<script src="https://cdn.ramseysolutions.net/assets/vendor/javascripts/css-vars-ponyfill/2.4.5/css-vars-ponyfill.min.js"><\/script><script>cssVars({});<\/script>'
    );
</script>



</head>
  <body>
    <style>
.nav-experiment {
    border-left: 1px solid #e8eced !important;
    padding-left: 36px !important;
}
</style>
    <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-5Z3Z28D" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>








<!--  Loading link_1 styles in because otherwise they override styles from masthead.  -->

      <style>
/*!***************************************************************************************************************************************************************************************************************************************************************************************!*\
  !*** css ../../../../node_modules/css-loader/dist/cjs.js??ruleSet[1].rules[0].use[1]!../../../../node_modules/postcss-loader/dist/cjs.js??ruleSet[1].rules[0].use[2]!../../../../node_modules/sass-loader/dist/cjs.js??ruleSet[1].rules[0].use[3]!./sass/components/link/link_1.scss ***!
  \***************************************************************************************************************************************************************************************************************************************************************************************/
.rds-Link_1 {
  display: inline-block;
  flex-shrink: 0;
  outline: none;
  border: 0;
  background-color: transparent;
  cursor: pointer;
  padding: 0;
  text-indent: 0;
  text-transform: none;
  text-decoration: none;
  text-shadow: none;
  line-height: 1.5;
  letter-spacing: normal;
  color: #0073b9;
  font-family: canada-type-gibson, Arial, sans-serif;
  font-size: 16px;
  font-weight: 400;
  font-style: normal;
  word-break: break-word;
}

.rds-Link_1:hover, .rds-Link_1:focus, .rds-Link_1:active {
  color: #0073b9;
}

.rds-Link_1:hover:not([disabled]), .rds-Link_1:focus:not([disabled]), .rds-Link_1:active:not([disabled]) {
  text-decoration: underline;
  text-underline-offset: 0.25em;
  text-decoration-thickness: 2px;
}

.rds-Link_1.on-darkCanvas {
  color: #ffffff;
}

.rds-Link--inheritColor_1, .rds-Link--inheritColor_1.on-darkCanvas {
  color: inherit;
}

.rds-Link--inheritColor_1:hover, .rds-Link--inheritColor_1:focus, .rds-Link--inheritColor_1:active, .rds-Link--inheritColor_1.on-darkCanvas:hover, .rds-Link--inheritColor_1.on-darkCanvas:focus, .rds-Link--inheritColor_1.on-darkCanvas:active {
  color: inherit;
}

.rds-Link--inheritColor_1:hover:not([disabled]), .rds-Link--inheritColor_1:focus:not([disabled]), .rds-Link--inheritColor_1:active:not([disabled]), .rds-Link--inheritColor_1.on-darkCanvas:hover:not([disabled]), .rds-Link--inheritColor_1.on-darkCanvas:focus:not([disabled]), .rds-Link--inheritColor_1.on-darkCanvas:active:not([disabled]) {
  text-decoration: underline;
  text-underline-offset: 0.25em;
  text-decoration-thickness: 2px;
}

.rds-Link--large_1 {
  font-size: 18px;
}

.rds-Link--small_1 {
  font-size: 14px;
}

.rds-Link-icon_1 {
  position: relative;
  top: 0.1666666667em;
  width: 1em;
  height: 1em;
}

.rds-Link-icon--left_1 {
  margin-right: 4px;
}

.rds-Link-icon--right_1 {
  margin-left: 4px;
}

.rds-Link_1[disabled] {
  cursor: not-allowed !important;
}

.rds-Link_1[disabled], .rds-Link_1.is-disabled {
  opacity: 0.4 !important;
  -webkit-user-select: none !important;
      -ms-user-select: none !important;
          user-select: none !important;
}

a.rds-Link_1.is-disabled {
  pointer-events: none !important;
}



/*# sourceMappingURL=link_1.min.css.map*/      </style>

    

      <style>
.u-visuallyHidden{border:0;clip:rect(0 0 0 0);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute;width:1px}@media(min-width:37.5em){.u-hide\@lapAndUp{display:none!important}}@media(min-width:56.25em){.u-hide\@lapWideAndUp{display:none!important}}@media(min-width:75em){.u-hide\@deskAndUp{display:none!important}}@media(min-width:112.5em){.u-hide\@wallOnly{display:none!important}}@media(min-width:75em)and (max-width:112.4375em){.u-hide\@deskOnly{display:none!important}}@media(min-width:56.25em)and (max-width:74.9375em){.u-hide\@lapWideOnly{display:none!important}}@media(min-width:37.5em)and (max-width:56.1875em){.u-hide\@lapOnly{display:none!important}}@media(max-width:37.4375em){.u-hide\@palmOnly,.u-show\@lapAndUp{display:none!important}}@media screen and (max-width:56.1875em){.u-show\@lapWideAndUp{display:none!important}}@media screen and (max-width:74.9375em){.u-show\@deskAndUp{display:none!important}}@media screen and (max-width:112.4375em){.u-show\@wallOnly{display:none!important}}.u-spacingInsetXs{padding:8px!important}.u-spacingInsetSm{padding:12px!important}.u-spacingInsetMd{padding:16px!important}.u-spacingInsetLg{padding:24px!important}.u-spacingInsetXl{padding:32px!important}.u-spacingInset2Xl{padding:48px!important}.u-spacingInsetSquishXs{padding:4px 8px!important}.u-spacingInsetSquishSm{padding:8px 16px!important}.u-spacingInsetSquishMd{padding:12px 20px!important}.u-spacingInsetSquishLg{padding:16px 24px!important}.u-spacingInsetSquishXl{padding:20px 28px!important}.u-spacingInline2Xs{margin-right:2px!important}.u-spacingInlineXs{margin-right:4px!important}.u-spacingInlineSm{margin-right:8px!important}.u-spacingInlineMd{margin-right:16px!important}.u-spacingInlineLg{margin-right:24px!important}.u-spacingInlineXl{margin-right:32px!important}.u-spacingInline2Xl{margin-right:48px!important}.u-spacingInline3Xl{margin-right:64px!important}.u-spacingBlock2Xs{margin-bottom:2px!important}.u-spacingBlockXs{margin-bottom:4px!important}.u-spacingBlockSm{margin-bottom:8px!important}.u-spacingBlockMd{margin-bottom:16px!important}.u-spacingBlockLg{margin-bottom:24px!important}.u-spacingBlockXl{margin-bottom:32px!important}.u-spacingBlock2Xl{margin-bottom:48px!important}.u-spacingBlock3Xl{margin-bottom:64px!important}.u-spacingBlock4Xl{margin-bottom:96px!important}.u-spacingBlock5Xl{margin-bottom:160px!important}.u-spacingBlock6Xl{margin-bottom:256px!important}.u-spacingBlock7Xl{margin-bottom:384px!important}.rs-MenuItem{margin:0 16px 16px}@media screen and (min-width:75em){.rs-MenuItem{break-inside:avoid-column;break-inside:avoid;display:inline-block;margin:0 0 16px;outline:1px solid #fff;text-align:left;width:16.25rem}}.rs-MenuItem-listItem{padding-left:0}@media screen and (min-width:75em){.rs-MenuItem-listItem{flex:1 1 auto;padding:0 0 0 16px}}.rs-MenuItem-link{display:block}@media screen and (min-width:75em){.rs-MenuItem-link{display:inline-block}}.rs-MenuItem-header{background-color:none;color:#495257;display:block;padding:0 0 24px}@media screen and (min-width:75em){.rs-MenuItem-header{background-color:#f5f7f8;color:#1f2426;font-size:16px;font-weight:600;margin-bottom:16px;padding:4px 16px}}.rs-MenuItem-header a{text-decoration:none}@media screen and (min-width:75em){.rs-MenuItem-header a{color:#0073b9}}.rs-MenuItem-subheader{display:inline-block;font-weight:600;margin-bottom:16px}.rs-MenuItem-spacer{background-color:#e8eced;display:block;height:1px;margin-bottom:16px;width:100%}.rs-MenuItem-content{padding-left:0}@media screen and (min-width:75em){.rs-MenuItem-content{font-size:16px;font-weight:400;line-height:1.5;margin:0;padding:0 0 0 16px}.rs-MenuItem-content--grid{column-gap:24px;padding:0 0 8px}}@media(max-width:37.5em),(min-width:37.5em)and (max-width:75em){.rs-MenuItem-content.rs-MenuItem-content--grid{column-count:1;padding-bottom:16px}}.rs-MenuItem-content li{margin:0 1.125rem}@media screen and (min-width:75em){.rs-MenuItem-content li{margin:0}}.rs-MenuItem-content a{color:#0073b9;text-decoration:none;text-transform:none;width:100%}.rs-MenuItem-content a:hover{color:#0073b9}.rs-MenuItem-content--grid .rs-MenuItem-listItem{margin-bottom:16px}@media screen and (min-width:75em){.rs-MenuItem-content--grid .rs-MenuItem-listItem:last-child{margin-bottom:0}}.rs-MenuItem-subSection{padding:0}@media screen and (min-width:75em){.rs-MenuItem-subSection{padding:0 0 0 16px}}.rs-MenuItem-subSection a{display:inline-block;margin-bottom:16px;width:100%}body.has-menu,body.has-search{height:100%;overflow:hidden;position:fixed;width:100%}body.has-menu iframe#launcher,body.has-search iframe#launcher{display:none}.rs-PrimaryNav{background:#fff;bottom:0;display:flex;flex-direction:column;left:0;opacity:0;overflow:hidden auto;padding-top:16px;position:fixed;top:48px;visibility:hidden;width:100%}@media screen and (min-width:75em){.rs-PrimaryNav{box-shadow:0 2px 4px 0 rgba(31,36,38,.1);display:block;height:auto;opacity:1;overflow:visible;padding-top:0;position:relative;top:0;visibility:visible;z-index:998}}html:not(.js) .rs-PrimaryNav{opacity:1;position:relative;top:0;visibility:visible}.rs-PrimaryNav.is-active{opacity:1;transition:visibility .25s,opacity .25s;visibility:visible;z-index:998}.rs-PrimaryNav [rel~=external]{position:relative}.rs-PrimaryNav [rel~=external]:after{background:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cdefs%3E%3Cstyle%3E.cls-1{fill:%23b6bec2}%3C/style%3E%3C/defs%3E%3Ctitle%3Eexternal-link%3C/title%3E%3Cg id='external-link'%3E%3Cpath d='M19.923 4.618A1 1 0 0 0 19 4h-5.6a1 1 0 1 0 0 2h3.186l-6.226 6.226a1 1 0 1 0 1.414 1.414L18 7.414V10.6a1 1 0 1 0 2 0V5a1 1 0 0 0-.077-.382' class='cls-1'/%3E%3Cpath d='M16.2 13.333a1 1 0 0 0-1 1V18H6V8.8h3.667a1 1 0 0 0 0-2H5a1 1 0 0 0-1 1V19a1 1 0 0 0 1 1h11.2a1 1 0 0 0 1-1v-4.667a1 1 0 0 0-1-1' class='cls-1'/%3E%3C/g%3E%3C/svg%3E") 50%/10px 10px no-repeat;background-size:24px;content:"";height:24px;margin:0 0 0 8px;opacity:1;position:absolute;transition:opacity .3s ease-in-out;width:24px}@media screen and (min-width:75em){.rs-PrimaryNav [rel~=external]:after{background-size:1.5rem;height:1.5rem;margin:0;opacity:0;right:-2rem;top:-.125rem;width:1.5rem}.rs-PrimaryNav [rel~=external]:focus:after,.rs-PrimaryNav [rel~=external]:hover:after{opacity:1}}.rs-PrimaryNav-menu:after{clear:both;content:"";display:table}.rs-PrimaryNav-menu{max-width:1232px;padding:0;position:relative}@media screen and (min-width:75em){.rs-PrimaryNav-menu{display:flex;justify-content:flex-start;margin:auto;padding:0 16px}}.rs-PrimaryNav-menu ol,.rs-PrimaryNav-menu ul{list-style-type:none}.rs-PrimaryNav-mobileCareersLink{align-items:center;background:#f5f7f8;display:flex;justify-content:center;margin-top:auto;min-height:72px;width:100%}@media screen and (min-width:75em){.rs-PrimaryNav-mobileCareersLink{display:none}}.dr-SkipLink,.rs-SkipLink{background-color:rgba(0,0,0,.75);color:#fff;display:block;height:2rem;left:1rem;line-height:1;padding:.5rem;position:absolute;text-decoration:none;top:-2rem;transition:top .1s}.dr-SkipLink:focus,.rs-SkipLink:focus{outline:1px dotted #fff;text-decoration:none;top:0;z-index:1000}.rs-Submenu{background:#fff;border-bottom:1px solid #e8eced;display:block;margin:0 16px;position:relative}@media screen and (min-width:75em){.rs-Submenu{border:0;flex:0 1 auto;margin:0;padding:0;text-transform:none;width:auto}.rs-Submenu:nth-child(n+4) .rs-Submenu-container{transform:translateX(-40%)}.rs-Submenu-mobile{display:none}.rs-Submenu-desktop{display:inline-block}}.rs-Submenu-mobile{display:block}.rs-Submenu-desktop{display:none}.rs-Submenu-linkOnly{display:block}.rs-Submenu-hideElement{display:none}@media screen and (min-width:75em){.rs-Submenu:first-child .rs-Submenu-title{padding-left:0}}.rs-Submenu-title{color:#0073b9;cursor:pointer;font-weight:600;padding:16px 0;text-decoration:none}@media screen and (min-width:75em){.rs-Submenu-title{color:#0073b9;font-size:18px;font-weight:400;line-height:1.5;padding:16px 5px;text-decoration:none}.rs-Submenu:first-child .rs-Submenu-title:hover:after{left:0}.rs-Submenu-title:after{background:#0073b9;bottom:1rem;content:"";height:2px;left:50%;margin:0 auto;opacity:0;position:absolute;right:50%;transition:left .2s ease-in-out,right .2s ease-in-out}.rs-Submenu-title:focus,.rs-Submenu-title:hover{color:#0073b9;text-decoration:none}.rs-Submenu-title:focus:after,.rs-Submenu-title:hover:after{left:.375rem;opacity:1;right:1.875rem}.rs-Submenu-title--withIcon:hover:after{left:1.5rem}}.rs-Submenu-title:hover{color:#0073b9}.rs-Submenu-title>svg{color:#b6bec2;display:inline;vertical-align:-2px}.rs-Submenu-expandContainer{bottom:0;margin:auto;position:absolute;right:0;top:0}@media screen and (min-width:75em){.rs-Submenu-expandContainer{display:none!important}}.rs-Submenu-expandContainer .rs-Submenu-controlIcon{float:right}.rs-Submenu-expandDesktopContainer{display:none!important}@media screen and (min-width:75em){.rs-Submenu-expandDesktopContainer{display:inline-block!important;opacity:0;padding:10px 4px!important;pointer-events:none}.rs-Submenu-expandDesktopContainer:focus-visible,.rs-Submenu-expandDesktopContainer:focus-within{opacity:1;pointer-events:auto}.rs-Submenu-expandDesktopContainer>svg{height:10px;width:10px}}.rs-Submenu-closeContainer{left:0;margin-left:8px;margin-top:8px;position:absolute;top:8px}.rs-Submenu-container{background:#fff;bottom:0;overflow:auto;position:fixed;right:-100%;top:48px;transition:right .5s ease;width:100%;z-index:1}@media screen and (min-width:75em){.rs-Submenu-container:after{clear:both;content:"";display:table}.rs-Submenu-container{bottom:auto;box-shadow:0 3px 3px rgba(0,0,0,.6);box-shadow:inset 0 2px 4px 0 rgba(31,36,38,.1),0 2px 4px 0 rgba(31,36,38,.1);left:0;max-height:0;opacity:0;overflow:visible;padding:8px;pointer-events:none;position:absolute;right:auto;top:100%;transition:visibility .25s ease .35s;visibility:hidden;width:auto;z-index:10;z-index:3}.rs-Submenu.open .rs-Submenu-container{max-height:999px;opacity:1;pointer-events:auto;visibility:visible;z-index:999}}.rs-Submenu-container.is-visible{right:0;z-index:1}.rs-Submenu-innerContainer{background:#fff;display:block;height:auto}@media screen and (min-width:75em){.rs-Submenu-innerContainer{border-bottom:1px solid #e8eced;column-count:1;column-gap:16px;display:block;margin-bottom:16px;overflow:auto;position:relative}.rs-Submenu-innerContainer--threeColumn{column-count:3}.rs-Submenu-innerContainer--twoColumn{column-count:2}}.rs-Submenu-innerContainer>ul:after{clear:both;content:"";display:table}.rs-Submenu-innerContainer>ul{clear:both;margin:0;padding:0}.rs-Submenu-containerHeader{background:#fff;border-bottom:1px solid #e8eced;margin:0 16px 24px;padding:8px 0}@media screen and (min-width:75em){.rs-Submenu-containerHeader{display:none}}.rs-Submenu-containerTitle{color:#0073b9;display:block;font-weight:400;padding:16px 0 8px;text-align:center;text-decoration:none}.rs-Masthead{background:#fff;box-shadow:0 2px 4px 0 rgba(31,36,38,.1);min-height:58px;position:relative;z-index:999}@media screen and (min-width:75em){.rs-Masthead{box-shadow:none;min-height:78px}.rs-Masthead:after{background:#e8eced;content:"";display:block;height:1px;margin:auto;width:1200px}}.rs-Masthead-body:after{clear:both;content:"";display:table}.rs-Masthead-body{align-items:center;display:flex;justify-content:space-between;margin:auto;max-width:1232px;min-height:58px;padding:0 16px;position:relative}@media screen and (min-width:75em){.rs-Masthead-body{align-items:center;display:flex;height:78px;justify-content:space-between;padding:0 16px;z-index:999}}.rs-Masthead-body:after{display:none}.rs-Masthead-logo{display:inline-block;flex:0 1 auto;height:24px;margin-right:auto}@media screen and (min-width:75em){.rs-Masthead-logo{height:40px;margin:24px 0}}.rs-Masthead-logo img{display:block;height:100%}.rs-Masthead-search{margin-right:8px}@media screen and (min-width:75em){.rs-Masthead-search{left:50%;margin-right:0;position:absolute;transform:translateX(-50%)}}      </style>

    


<a class="rs-SkipLink gzl-Link--standalone" tabindex="1" href="#main" data-elastic-exclude>Skip to Main Content</a>
<header role="banner" id="banner" class="rs-Masthead" data-analytics-navigation-masthead data-elastic-exclude>
  <div class="rs-Masthead-body">
    <a class="rs-Masthead-logo" href="https://www.ramseysolutions.com">
      <img src="https://cdn.ramseysolutions.net/media/rscom/logos/flat-blue-50-ramsey-logo.svg" class="u-show@deskAndUp" width="222"
           height="40" alt="Ramsey Solutions">
      <img src="https://cdn.ramseysolutions.net/media/rscom/logos/flat-blue-50-ramsey-logo.svg" class="u-hide@deskAndUp" width=""
           height="" alt="Ramsey Solutions">
    </a>

    <div class="rs-Masthead-search">
      


    


      <style>
.rs-PrimaryNav{z-index:980!important}@layer properties{@supports((-webkit-hyphens:none) and (not (margin-trim:inline))) or ((-moz-orient:inline) and (not (color:rgb(from red r g b)))){#masthead_search ::-ms-backdrop{--tw-leading:initial;--tw-font-weight:initial;--tw-blur:initial;--tw-brightness:initial;--tw-contrast:initial;--tw-grayscale:initial;--tw-hue-rotate:initial;--tw-invert:initial;--tw-opacity:initial;--tw-saturate:initial;--tw-sepia:initial;--tw-drop-shadow:initial;--tw-drop-shadow-color:initial;--tw-drop-shadow-alpha:100%;--tw-drop-shadow-size:initial}#masthead_search *,#masthead_search ::backdrop,#masthead_search :after,#masthead_search :before{--tw-leading:initial;--tw-font-weight:initial;--tw-blur:initial;--tw-brightness:initial;--tw-contrast:initial;--tw-grayscale:initial;--tw-hue-rotate:initial;--tw-invert:initial;--tw-opacity:initial;--tw-saturate:initial;--tw-sepia:initial;--tw-drop-shadow:initial;--tw-drop-shadow-color:initial;--tw-drop-shadow-alpha:100%;--tw-drop-shadow-size:initial}}}@layer base{#masthead_search ::-ms-backdrop{border:0 solid;box-sizing:border-box;margin:0;padding:0}#masthead_search *,#masthead_search ::backdrop,#masthead_search :after,#masthead_search :before{border:0 solid;box-sizing:border-box;margin:0;padding:0}#masthead_search ::-webkit-file-upload-button{border:0 solid;box-sizing:border-box;margin:0;padding:0}#masthead_search ::file-selector-button{border:0 solid;box-sizing:border-box;margin:0;padding:0}#masthead_search :host,#masthead_search html{-webkit-text-size-adjust:100%;font-family:var(--default-font-family,ui-sans-serif,system-ui,sans-serif,"Apple Color Emoji","Segoe UI Emoji","Segoe UI Symbol","Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);line-height:1.5;tab-size:4;-webkit-tap-highlight-color:transparent}#masthead_search hr{border-top-width:1px;color:inherit;height:0}#masthead_search abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}#masthead_search h1,#masthead_search h2,#masthead_search h3,#masthead_search h4,#masthead_search h5,#masthead_search h6{font-size:inherit;font-weight:inherit}#masthead_search a{color:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}#masthead_search b,#masthead_search strong{font-weight:bolder}#masthead_search code,#masthead_search kbd,#masthead_search pre,#masthead_search samp{font-family:var(--default-mono-font-family,ui-monospace,SFMono-Regular,Menlo,Monaco,Consolas,"Liberation Mono","Courier New",monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-size:1em;font-variation-settings:var(--default-mono-font-variation-settings,normal)}#masthead_search small{font-size:80%}#masthead_search sub,#masthead_search sup{font-size:75%;line-height:0;position:relative;vertical-align:baseline}#masthead_search sub{bottom:-.25em}#masthead_search sup{top:-.5em}#masthead_search table{border-collapse:collapse;border-color:inherit;text-indent:0}#masthead_search :-moz-focusring{outline:auto}#masthead_search progress{vertical-align:baseline}#masthead_search summary{display:list-item}#masthead_search menu,#masthead_search ol,#masthead_search ul{list-style:none}#masthead_search audio,#masthead_search canvas,#masthead_search embed,#masthead_search iframe,#masthead_search img,#masthead_search object,#masthead_search svg,#masthead_search video{display:block;vertical-align:middle}#masthead_search img,#masthead_search video{height:auto;max-width:100%}#masthead_search button,#masthead_search input,#masthead_search optgroup,#masthead_search select,#masthead_search textarea{background-color:transparent;border-radius:0;color:inherit;font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;opacity:1}#masthead_search ::-webkit-file-upload-button{background-color:transparent;border-radius:0;color:inherit;font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;opacity:1}#masthead_search ::file-selector-button{background-color:transparent;border-radius:0;color:inherit;font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;opacity:1}#masthead_search :where(select:is([multiple],[size])) optgroup{font-weight:bolder}#masthead_search :where(select:is([multiple],[size])) optgroup option{-webkit-padding-start:20px;padding-inline-start:20px}#masthead_search ::-webkit-file-upload-button{-webkit-margin-end:4px;margin-inline-end:4px}#masthead_search ::file-selector-button{-webkit-margin-end:4px;margin-inline-end:4px}#masthead_search ::-webkit-input-placeholder{opacity:1}#masthead_search :-ms-input-placeholder{opacity:1}#masthead_search ::placeholder{opacity:1}@supports(not (-webkit-appearance:-apple-pay-button)) or (contain-intrinsic-size:1px){#masthead_search ::-webkit-input-placeholder{color:currentColor}#masthead_search :-ms-input-placeholder{color:currentColor}#masthead_search ::placeholder{color:currentColor}@supports(color:color-mix(in lab,red,red)){#masthead_search ::-webkit-input-placeholder{color:color-mix(in oklab,currentcolor 50%,transparent)}#masthead_search :-ms-input-placeholder{color:color-mix(in oklab,currentcolor 50%,transparent)}#masthead_search ::placeholder{color:color-mix(in oklab,currentcolor 50%,transparent)}}}#masthead_search textarea{resize:vertical}#masthead_search ::-webkit-search-decoration{-webkit-appearance:none}#masthead_search ::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}#masthead_search ::-webkit-datetime-edit{display:inline-flex}#masthead_search ::-webkit-datetime-edit-fields-wrapper{padding:0}#masthead_search ::-webkit-datetime-edit,#masthead_search ::-webkit-datetime-edit-year-field{padding-block:0}#masthead_search ::-webkit-datetime-edit-day-field,#masthead_search ::-webkit-datetime-edit-month-field{padding-block:0}#masthead_search ::-webkit-datetime-edit-hour-field,#masthead_search ::-webkit-datetime-edit-minute-field{padding-block:0}#masthead_search ::-webkit-datetime-edit-millisecond-field,#masthead_search ::-webkit-datetime-edit-second-field{padding-block:0}#masthead_search ::-webkit-datetime-edit-meridiem-field{padding-block:0}#masthead_search ::-webkit-calendar-picker-indicator{line-height:1}#masthead_search :-moz-ui-invalid{box-shadow:none}#masthead_search button,#masthead_search input:where([type=button],[type=reset],[type=submit]){-webkit-appearance:button;appearance:button}#masthead_search ::-webkit-file-upload-button{-webkit-appearance:button;appearance:button}#masthead_search ::file-selector-button{-webkit-appearance:button;appearance:button}#masthead_search ::-webkit-inner-spin-button,#masthead_search ::-webkit-outer-spin-button{height:auto}#masthead_search [hidden]:where(:not([hidden=until-found])){display:none!important}}#masthead_search{@layer components}@layer rds{#masthead_search .rds-Button{align-items:center;background-color:var(--rds-button-background-color,#0073b9);border:1px solid transparent;border-radius:4px;box-shadow:inset #0073b9;box-sizing:border-box;color:var(--rds-button-text-color,#fff);cursor:pointer;display:inline-flex;flex-shrink:0;font-family:canada-type-gibson,Arial,sans-serif;font-size:16px;font-style:normal;font-weight:600;justify-content:center;letter-spacing:normal;line-height:1;padding:12px 20px;text-align:center;text-decoration:none;text-indent:0;text-shadow:none;text-transform:none;transition:background-color .3s cubic-bezier(.19,1,.22,1),border-color .3s cubic-bezier(.19,1,.22,1),color .3s cubic-bezier(.19,1,.22,1);width:auto;word-break:break-word}#masthead_search .rds-Button.is-loading,#masthead_search .rds-Button:active:not([disabled]),#masthead_search .rds-Button:focus:not([disabled]),#masthead_search .rds-Button:hover:not([disabled]){background-color:var(--rds-button-background-color-interactive,#005b98);color:#fff}#masthead_search .rds-Button.on-darkCanvas{background-color:#fff;color:var(--rds-button-background-color,#0073b9)}#masthead_search .rds-Button.on-darkCanvas.is-loading,#masthead_search .rds-Button.on-darkCanvas:active:not([disabled]),#masthead_search .rds-Button.on-darkCanvas:focus:not([disabled]),#masthead_search .rds-Button.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.902);color:var(--rds-button-background-color,#0073b9)}#masthead_search .rds-Button--alternate,#masthead_search .rds-Button--alternate.on-darkCanvas{background-color:var(--rds-button-alternate-background-color,#fcd214);color:var(--rds-button-alternate-text-color,#003561)}#masthead_search .rds-Button--alternate.is-loading,#masthead_search .rds-Button--alternate.on-darkCanvas.is-loading,#masthead_search .rds-Button--alternate.on-darkCanvas:active:not([disabled]),#masthead_search .rds-Button--alternate.on-darkCanvas:focus:not([disabled]),#masthead_search .rds-Button--alternate.on-darkCanvas:hover:not([disabled]),#masthead_search .rds-Button--alternate:active:not([disabled]),#masthead_search .rds-Button--alternate:focus:not([disabled]),#masthead_search .rds-Button--alternate:hover:not([disabled]){background-color:var(--rds-button-alternate-background-color-interactive,#ffe45e);color:var(--rds-button-alternate-text-color,#003561)}#masthead_search .rds-Button--ghost{background-color:transparent;border-color:var(--rds-button-background-color,#0073b9);box-shadow:0 0 0 1px var(--rds-button-background-color,#0073b9) inset;color:var(--rds-button-background-color,#0073b9)}#masthead_search .rds-Button--ghost.on-darkCanvas{background-color:transparent;border-color:#fff;box-shadow:inset 0 0 0 1px #fff;color:#fff}#masthead_search .rds-Button--ghost.on-darkCanvas.is-loading,#masthead_search .rds-Button--ghost.on-darkCanvas:active:not([disabled]),#masthead_search .rds-Button--ghost.on-darkCanvas:focus:not([disabled]),#masthead_search .rds-Button--ghost.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.102);color:#fff}#masthead_search .rds-Button--ghost.is-loading,#masthead_search .rds-Button--ghost:active:not([disabled]),#masthead_search .rds-Button--ghost:focus:not([disabled]),#masthead_search .rds-Button--ghost:hover:not([disabled]){background-color:var(--rds-button-transparent-background-color-interactive,rgba(0,115,185,.102));color:var(--rds-button-background-color,#0073b9)}#masthead_search .rds-Button--subtle{background-color:transparent;color:var(--rds-button-background-color,#0073b9)}#masthead_search .rds-Button--subtle.on-darkCanvas{background-color:transparent;color:#fff}#masthead_search .rds-Button--subtle.on-darkCanvas.is-loading,#masthead_search .rds-Button--subtle.on-darkCanvas:active:not([disabled]),#masthead_search .rds-Button--subtle.on-darkCanvas:focus:not([disabled]),#masthead_search .rds-Button--subtle.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.102);color:#fff}#masthead_search .rds-Button--subtle.is-loading,#masthead_search .rds-Button--subtle:active:not([disabled]),#masthead_search .rds-Button--subtle:focus:not([disabled]),#masthead_search .rds-Button--subtle:hover:not([disabled]){background-color:var(--rds-button-transparent-background-color-interactive,rgba(0,115,185,.102));color:var(--rds-button-background-color,#0073b9)}#masthead_search .rds-Button--danger{background-color:#e64b40;color:#fff}#masthead_search .rds-Button--danger.on-darkCanvas{background-color:#fff;color:#e64b40}#masthead_search .rds-Button--danger.on-darkCanvas.is-loading,#masthead_search .rds-Button--danger.on-darkCanvas:active:not([disabled]),#masthead_search .rds-Button--danger.on-darkCanvas:focus:not([disabled]),#masthead_search .rds-Button--danger.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.902);color:#e64b40}#masthead_search .rds-Button--danger.is-loading,#masthead_search .rds-Button--danger:active:not([disabled]),#masthead_search .rds-Button--danger:focus:not([disabled]),#masthead_search .rds-Button--danger:hover:not([disabled]){background-color:#cc392f;color:#fff}#masthead_search .rds-Button--dangerSubtle{background-color:transparent;color:#e64b40}#masthead_search .rds-Button--dangerSubtle.on-darkCanvas{background-color:#fff;color:#e64b40}#masthead_search .rds-Button--dangerSubtle.on-darkCanvas.is-loading,#masthead_search .rds-Button--dangerSubtle.on-darkCanvas:active:not([disabled]),#masthead_search .rds-Button--dangerSubtle.on-darkCanvas:focus:not([disabled]),#masthead_search .rds-Button--dangerSubtle.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.902);color:#e64b40}#masthead_search .rds-Button--dangerSubtle.is-loading,#masthead_search .rds-Button--dangerSubtle:active:not([disabled]),#masthead_search .rds-Button--dangerSubtle:focus:not([disabled]),#masthead_search .rds-Button--dangerSubtle:hover:not([disabled]){background:rgba(230,75,64,.102);color:#e64b40}#masthead_search .rds-Button--neutralSubtle{background-color:transparent;color:#1f2426}#masthead_search .rds-Button--neutralSubtle.on-darkCanvas{background-color:transparent;color:#fff}#masthead_search .rds-Button--neutralSubtle.on-darkCanvas.is-loading,#masthead_search .rds-Button--neutralSubtle.on-darkCanvas:active:not([disabled]),#masthead_search .rds-Button--neutralSubtle.on-darkCanvas:focus:not([disabled]),#masthead_search .rds-Button--neutralSubtle.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.102);color:#fff}#masthead_search .rds-Button--neutralSubtle.is-loading,#masthead_search .rds-Button--neutralSubtle:active:not([disabled]),#masthead_search .rds-Button--neutralSubtle:focus:not([disabled]),#masthead_search .rds-Button--neutralSubtle:hover:not([disabled]){background-color:rgba(232,236,237,.439);color:#1f2426}#masthead_search .rds-Button--small{font-size:14px;padding:8px 16px}#masthead_search .rds-Button--large{font-size:18px;padding:16px 24px}#masthead_search .rds-Button--xlarge{font-size:20px;padding:20px 28px}#masthead_search .rds-Button--fullWidthOnMobile{width:100%}@media screen and (width >= 37.5em){#masthead_search .rds-Button--fullWidthOnMobile{width:auto}}#masthead_search .rds-Button--iconOnly{padding:12px}#masthead_search .rds-Button--iconOnly.rds-Button--small{padding:8px}#masthead_search .rds-Button--iconOnly.rds-Button--large{padding:13px}#masthead_search .rds-Button--iconOnly.rds-Button--xlarge{padding:18px}#masthead_search .rds-Button-icon{flex-shrink:0;pointer-events:none;transform-origin:50%}#masthead_search .rds-Button-icon--left{margin-right:8px}#masthead_search .rds-Button-icon--right{margin-left:8px}#masthead_search .rds-Button[disabled]{cursor:not-allowed}#masthead_search .rds-Button.is-disabled,#masthead_search .rds-Button[disabled]{opacity:.4;-webkit-user-select:none;-ms-user-select:none;user-select:none}#masthead_search a.rds-Button.is-disabled,#masthead_search a.rds-Button.is-loading{pointer-events:none}#masthead_search .rds-Button.is-loading{opacity:1}#masthead_search .rds-Button.is-loading .rds-Button-icon{animation:rotate 1s linear infinite}#masthead_search .rds-Input{flex:1;position:relative;width:100%}#masthead_search .rds-Input input{background-color:#fff;border:1px solid #69757a;border-radius:4px;box-sizing:border-box;color:#1f2426;display:block;font-family:canada-type-gibson,Arial,sans-serif;font-size:16px;font-weight:400;height:42px;line-height:1;margin:0;padding:12px;width:100%}#masthead_search .rds-Input input:not(:first-child){padding-left:32px}#masthead_search .rds-Input input:not(:last-child){padding-right:32px}#masthead_search .rds-Input input::-webkit-input-placeholder{color:#69757a}#masthead_search .rds-Input input:-ms-input-placeholder{color:#69757a}#masthead_search .rds-Input input::placeholder{color:#69757a}#masthead_search .rds-Input input:read-only{background-color:#f5f7f8;border-color:#d5d9db}#masthead_search .rds-Input input:active,#masthead_search .rds-Input input:focus{border-color:#0073b9;box-shadow:inset 0 0 0 1px #0073b9;outline:0}#masthead_search .rds-Input input:disabled{background-color:#f5f7f8;border-color:#d5d9db;box-shadow:none;color:#b6bec2;cursor:not-allowed}#masthead_search .rds-Input input:disabled::-webkit-input-placeholder{color:#b6bec2}#masthead_search .rds-Input input:disabled:-ms-input-placeholder{color:#b6bec2}#masthead_search .rds-Input input:disabled::placeholder{color:#b6bec2}#masthead_search .rds-Input-icon{color:#69757a;position:absolute;top:50%;transform:translateY(-50%)}#masthead_search .rds-Input-icon:first-child{left:2px;margin-left:12px}#masthead_search .rds-Input-icon:last-child{margin-right:12px;right:2px}#masthead_search .rds-Input--sm input{font-size:14px;height:32px;padding:8px}#masthead_search .rds-Input--sm input:not(:first-child){padding-left:26px}#masthead_search .rds-Input--sm input:not(:last-child){padding-right:26px}#masthead_search .rds-Input--sm .rds-Input-icon:first-child{margin-left:8px}#masthead_search .rds-Input--sm .rds-Input-icon:last-child{margin-right:8px}#masthead_search .rds-Input--lg input{font-size:18px;height:52px;padding:16px}#masthead_search .rds-Input--lg input:not(:first-child){padding-left:36px}#masthead_search .rds-Input--lg input:not(:last-child){padding-right:36px}#masthead_search .rds-Input--lg .rds-Input-icon:first-child{margin-left:16px}#masthead_search .rds-Input--lg .rds-Input-icon:last-child{margin-right:16px}#masthead_search .rds-Input--lengthXS{flex:initial;width:100px}#masthead_search .rds-Input--lengthSM{flex:initial;width:200px}#masthead_search .rds-Input--lengthMD{flex:initial;width:300px}#masthead_search .rds-Input--lengthLG{flex:initial;width:425px}#masthead_search .rds-Input--lengthXL{flex:initial;width:550px}#masthead_search .rds-Input.is-invalid input:not(:disabled,:read-only){border-color:#cc392f;box-shadow:inset 0 0 0 1px #cc392f}#masthead_search .rds-Input:has(input:read-only:not(:disabled)) .rds-Input-icon{color:#495257}#masthead_search .rds-Input.is-disabled .rds-Input-icon{color:#b6bec2}#masthead_search .rds-Icon{fill:currentColor;height:auto;max-width:100%;vertical-align:middle;width:16px}#masthead_search .rds-Icon--xsmall{width:12px}#masthead_search .rds-Icon--small{width:14px}#masthead_search .rds-Icon--large{width:24px}#masthead_search .rds-Icon--xlarge{width:32px}#masthead_search .rds-Icon--2xlarge{width:48px}#masthead_search .rds-Icon--3xlarge{width:64px}#masthead_search .rds-Icon--primary{fill:var(--rds-icon-primary-fill-color,#0073b9)}#masthead_search .rds-Icon--alternate{fill:var(--rds-icon-alternate-fill-color,#00b2f6)}#masthead_search .rds-Icon--neutral{fill:#b6bec2}#masthead_search .rds-Icon--light{fill:#fff}#masthead_search .rds-Icon--positive{fill:#35bd59}#masthead_search .rds-Icon--negative{fill:#e64b40}#masthead_search .rds-Link{background-color:transparent;border:0;color:#0073b9;cursor:pointer;display:inline-block;flex-shrink:0;font-family:canada-type-gibson,Arial,sans-serif;font-size:16px;font-style:normal;font-weight:400;letter-spacing:normal;line-height:1.5;outline:none;padding:0;text-decoration:none;text-indent:0;text-shadow:none;text-transform:none;word-break:break-word}#masthead_search .rds-Link sub,#masthead_search .rds-Link sup{font-size:.875em;line-height:0}#masthead_search .rds-Link sup{top:auto;vertical-align:super}#masthead_search .rds-Link sub{bottom:auto;vertical-align:sub}#masthead_search .rds-Link:active:not([disabled]),#masthead_search .rds-Link:focus:not([disabled]),#masthead_search .rds-Link:hover:not([disabled]){text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:.25em}#masthead_search .rds-Link.on-darkCanvas{color:#fff}#masthead_search .rds-Link--inheritColor,#masthead_search .rds-Link--inheritColor.on-darkCanvas{color:inherit}#masthead_search .rds-Link--large{font-size:18px}#masthead_search .rds-Link--small{font-size:14px}#masthead_search .rds-Link-icon{height:1em;position:relative;top:.166667em;width:1em}#masthead_search .rds-Link-icon--left{margin-right:4px}#masthead_search .rds-Link-icon--right{margin-left:4px}#masthead_search .rds-Link[disabled]{cursor:not-allowed!important}#masthead_search .rds-Link.is-disabled,#masthead_search .rds-Link[disabled]{opacity:.4!important;-webkit-user-select:none!important;-ms-user-select:none!important;user-select:none!important}#masthead_search a.rds-Link.is-disabled{pointer-events:none!important}#masthead_search .rds-Stack{align-items:center;display:flex;flex-wrap:wrap;gap:16px;justify-content:flex-start}#masthead_search .rds-Stack--2xsSpacing{gap:2px}#masthead_search .rds-Stack--xsSpacing{gap:4px}#masthead_search .rds-Stack--smSpacing{gap:8px}#masthead_search .rds-Stack--lgSpacing{gap:24px}#masthead_search .rds-Stack--xlSpacing{gap:32px}#masthead_search .rds-Stack--2xlSpacing{gap:48px}#masthead_search .rds-Stack--topVerticalAlignment{align-items:flex-start}#masthead_search .rds-Stack--bottomVerticalAlignment{align-items:flex-end}#masthead_search .rds-Stack--fillVerticalAlignment:not(.rds-Stack--vertical){align-items:stretch}#masthead_search .rds-Stack--centerHorizontalAlignment{justify-content:center}#masthead_search .rds-Stack--rightHorizontalAlignment{justify-content:flex-end}#masthead_search .rds-Stack--fillHorizontalAlignment:not(.rds-Stack--vertical)>*{flex-grow:1}#masthead_search .rds-Stack--vertical{align-items:flex-start;flex-direction:column;justify-content:center}#masthead_search .rds-Stack--vertical.rds-Stack--topVerticalAlignment{justify-content:flex-start}#masthead_search .rds-Stack--vertical.rds-Stack--bottomVerticalAlignment{justify-content:flex-end}#masthead_search .rds-Stack--vertical.rds-Stack--fillVerticalAlignment>*{flex-grow:1}#masthead_search .rds-Stack--vertical.rds-Stack--centerHorizontalAlignment{align-items:center}#masthead_search .rds-Stack--vertical.rds-Stack--rightHorizontalAlignment{align-items:flex-end}#masthead_search .rds-Stack--vertical.rds-Stack--fillHorizontalAlignment{align-items:stretch}#masthead_search .rds-Stack--noWrap{flex-wrap:nowrap}#masthead_search .rds-Card{background-color:#fff;border-radius:16px;box-shadow:0 4px 16px rgba(31,36,38,.122);color:#1f2426;display:flex;flex-direction:column;font-family:canada-type-gibson,Arial,sans-serif;font-size:16px;font-style:normal;font-weight:400;height:100%;letter-spacing:normal;line-height:1;overflow:hidden;text-align:left;text-decoration:none;text-indent:0;text-shadow:none;text-transform:none}#masthead_search .rds-Card-content{display:flex;flex:1;flex-direction:column;padding:24px}#masthead_search .rds-Card-content>:last-child{margin-bottom:0}@media screen and (width >= 37.5em){#masthead_search .rds-Card-content{padding:32px}}#masthead_search .rds-Card-header{margin-bottom:24px}#masthead_search .rds-Card-body{line-height:1.25;margin-bottom:24px}#masthead_search .rds-Card-footer{margin-top:auto}#masthead_search .rds-Card-imageWrapper{vertical-align:middle}#masthead_search .rds-Card-imageWrapper:not(.rds-Card-imageWrapper--insetImage) img,#masthead_search .rds-Card-imageWrapper:not(.rds-Card-imageWrapper--insetImage) video{height:auto;width:100%}#masthead_search .rds-Card-imageWrapper--insetImage{padding:24px 24px 0;text-align:center}@media screen and (width >= 37.5em){#masthead_search .rds-Card-imageWrapper--insetImage{padding:32px 32px 0}}#masthead_search .rds-Box{--rds-box-padding-sm:16px;--rds-box-padding-md:24px;--rds-box-padding-lg:32px;background-color:#fff;border:1px solid transparent;border-radius:16px;box-sizing:border-box;font-style:normal;height:100%;overflow:hidden;padding:var(--rds-box-padding-md);text-decoration:none;text-indent:0;text-shadow:none;text-transform:none}#masthead_search .rds-Box--gray{background-color:#f5f7f8}#masthead_search .rds-Box--blue{background-color:#ebf4fa}#masthead_search .rds-Box--hasBorder{border-color:#d5d9db}#masthead_search .rds-Box--sm{padding:var(--rds-box-padding-sm)}#masthead_search .rds-Box--lg{padding:var(--rds-box-padding-lg)}#masthead_search .rds-Box--none{padding:0}@media screen and (width >= 37.5em){#masthead_search .rds-Box{--rds-box-padding-sm:24px;--rds-box-padding-md:32px;--rds-box-padding-lg:48px}}#masthead_search .rds-Text{color:#1f2426;font-family:canada-type-gibson,Arial,sans-serif;font-size:18px;font-weight:400;letter-spacing:0;line-height:1.25;margin-bottom:0;margin-top:0;text-indent:0;text-shadow:none;text-transform:none}#masthead_search .rds-Text sub,#masthead_search .rds-Text sup{font-size:.875em;line-height:0}#masthead_search .rds-Text sup{top:auto;vertical-align:super}#masthead_search .rds-Text sub{bottom:auto;vertical-align:sub}#masthead_search .rds-Text--bodyXSmall{font-size:14px}#masthead_search .rds-Text--bodySmall{font-size:16px}#masthead_search .rds-Text--bodyLarge{font-size:20px}#masthead_search .rds-Text--subtitle{font-size:24px}@media screen and (width >= 37.5em){#masthead_search .rds-Text--subtitle{font-size:28px}}#masthead_search .rds-Text--subdued{color:#495257}#masthead_search .rds-Text a{color:#0073b9;text-decoration:underline}#masthead_search .rds-Text a:hover{color:#005b98}#masthead_search .rds-Text.on-darkCanvas,#masthead_search .rds-Text.on-darkCanvas a,#masthead_search .rds-Text.on-darkCanvas a:hover{color:#fff}#masthead_search .rds-Text em,#masthead_search .rds-Text i,#masthead_search em.rds-Text,#masthead_search i.rds-Text{font-style:italic}#masthead_search .rds-Text b,#masthead_search .rds-Text strong,#masthead_search b.rds-Text,#masthead_search strong.rds-Text{font-weight:600}#masthead_search .rds-Heading{color:#1f2426;font-family:canada-type-gibson,Arial,sans-serif;font-size:24px;font-style:normal;font-weight:600;letter-spacing:0;line-height:1.25;margin-bottom:0;margin-top:0;text-indent:0;text-shadow:none;text-transform:none}#masthead_search .rds-Heading sub,#masthead_search .rds-Heading sup{font-size:.875em;line-height:0}#masthead_search .rds-Heading sup{top:auto;vertical-align:super}#masthead_search .rds-Heading sub{bottom:auto;vertical-align:sub}#masthead_search .rds-Heading--xsmall{font-size:18px}#masthead_search .rds-Heading--small{font-size:20px}#masthead_search .rds-Heading--large{font-size:28px}@media screen and (width >= 37.5em){#masthead_search .rds-Heading--large{font-size:34px}}#masthead_search .rds-Heading--xlarge{font-size:34px}@media screen and (width >= 37.5em){#masthead_search .rds-Heading--xlarge{font-size:48px;line-height:1.1}}#masthead_search .rds-Heading--2xlarge{font-size:40px}@media screen and (width >= 37.5em){#masthead_search .rds-Heading--2xlarge{font-size:60px;line-height:1.1}}#masthead_search .rds-Heading em{font-style:italic}#masthead_search .rds-Heading a{color:inherit;text-decoration:none}#masthead_search .rds-Heading a:hover{color:#495257}#masthead_search .rds-Heading sub,#masthead_search .rds-Heading sup{font-size:.6em}#masthead_search .rds-Heading--alternate{color:#003561}#masthead_search .rds-Heading--alternate a:hover{color:#005b98}#masthead_search .rds-Heading--brand{color:var(--rds-heading-brand-color,#0073b9)}#masthead_search .rds-Heading--brand a:hover{color:var(--rds-heading-brand-interactive-color,#005b98)}#masthead_search .rds-Heading.on-darkCanvas{color:#fff}#masthead_search .rds-Heading.on-darkCanvas a:hover{color:#f5f7f8}#masthead_search .rds-RichText{color:#1f2426;font-family:canada-type-gibson,Arial,sans-serif;font-size:18px;font-style:normal;font-weight:400;letter-spacing:normal;line-height:1.5;text-shadow:none;text-transform:none}#masthead_search .rds-RichText sub,#masthead_search .rds-RichText sup{font-size:.875em;line-height:0}#masthead_search .rds-RichText sup{top:auto;vertical-align:super}#masthead_search .rds-RichText sub{bottom:auto;vertical-align:sub}#masthead_search .rds-RichText>*{margin-bottom:24px;margin-top:24px}@media screen and (width >= 37.5em){#masthead_search .rds-RichText>*{margin-bottom:32px;margin-top:32px}}#masthead_search .rds-RichText :first-child{margin-top:0}#masthead_search .rds-RichText :last-child{margin-bottom:0}#masthead_search .rds-RichText div,#masthead_search .rds-RichText ol,#masthead_search .rds-RichText p,#masthead_search .rds-RichText ul{margin-bottom:16px;margin-top:0}#masthead_search .rds-RichText ol,#masthead_search .rds-RichText ul{margin-left:32px;padding:0}#masthead_search .rds-RichText ul{list-style-type:disc}#masthead_search .rds-RichText ol{list-style-type:decimal}#masthead_search .rds-RichText b,#masthead_search .rds-RichText strong{font-weight:600}#masthead_search .rds-RichText em,#masthead_search .rds-RichText i{font-style:italic}#masthead_search .rds-RichText h2,#masthead_search .rds-RichText h3,#masthead_search .rds-RichText h4,#masthead_search .rds-RichText h5,#masthead_search .rds-RichText h6{color:#1f2426;font-family:canada-type-gibson,Arial,sans-serif;font-size:24px;font-weight:600;line-height:1.25;margin-bottom:8px}#masthead_search .rds-RichText h2 a,#masthead_search .rds-RichText h3 a,#masthead_search .rds-RichText h4 a,#masthead_search .rds-RichText h5 a,#masthead_search .rds-RichText h6 a{color:inherit;text-decoration:none}#masthead_search .rds-RichText h2 a:hover,#masthead_search .rds-RichText h3 a:hover,#masthead_search .rds-RichText h4 a:hover,#masthead_search .rds-RichText h5 a:hover,#masthead_search .rds-RichText h6 a:hover{color:#495257}#masthead_search .rds-RichText h2{font-size:28px}@media screen and (width >= 37.5em){#masthead_search .rds-RichText h2{font-size:34px}}#masthead_search .rds-RichText h4{font-size:20px}#masthead_search .rds-RichText h5,#masthead_search .rds-RichText h6{font-size:18px}#masthead_search .rds-RichText a{color:#0073b9;text-decoration:underline}#masthead_search .rds-RichText a:hover{color:#005b98}#masthead_search .rds-RichText table{border-collapse:collapse;border-spacing:0;color:#1f2426;line-height:1.25;margin-left:auto;margin-right:auto;width:auto}#masthead_search .rds-RichText table tbody tr,#masthead_search .rds-RichText table thead tr{border-bottom:1px solid #b6bec2}#masthead_search .rds-RichText table tfoot tr{border-top:1px solid #b6bec2}#masthead_search .rds-RichText table tbody tr:last-of-type{border-bottom:0}#masthead_search .rds-RichText table td,#masthead_search .rds-RichText table th{padding:16px}#masthead_search .rds-RichText table tfoot td,#masthead_search .rds-RichText table th{font-weight:600}#masthead_search .rds-RichText table table,#masthead_search .rds-RichText table td,#masthead_search .rds-RichText table th,#masthead_search .rds-RichText table tr{border:1px solid #b6bec2}#masthead_search .rds-RichText table tbody tr{border:0}#masthead_search .rds-RichText table tbody tr:nth-child(2n){background-color:rgba(232,236,237,.439)}#masthead_search .rds-RichText blockquote{border-bottom:2px solid #0073b9;border-top:2px solid #0073b9;margin-left:0;margin-right:0;padding:16px 0;text-align:center}#masthead_search .rds-RichText blockquote,#masthead_search .rds-RichText blockquote>*{color:var(--rds-heading-brand-color,#0073b9);font-size:20px;font-weight:600;line-height:1.5}#masthead_search .rds-RichText blockquote a:hover,#masthead_search .rds-RichText blockquote>* a:hover{color:var(--rds-heading-brand-interactive-color,#005b98)}@media screen and (width >= 37.5em){#masthead_search .rds-RichText blockquote,#masthead_search .rds-RichText blockquote>*{font-size:24px}}#masthead_search .rds-RichText hr{background-color:#b6bec2;border:0;height:1px}#masthead_search .rds-RichText--lineHeightMedium{line-height:1.25}#masthead_search .rds-RichText--small{font-size:16px}#masthead_search .rds-RichText--small sub,#masthead_search .rds-RichText--small sup{font-size:12px}#masthead_search .rds-RichText--small table td,#masthead_search .rds-RichText--small table th{font-size:16px;padding:12px}#masthead_search .rds-RichText--large{font-size:20px}#masthead_search .rds-RichText--large sub,#masthead_search .rds-RichText--large sup{font-size:16px}#masthead_search .rds-RichText--large table td,#masthead_search .rds-RichText--large table th{font-size:20px;padding:24px}#masthead_search .rds-RichText.on-darkCanvas,#masthead_search .rds-RichText.on-darkCanvas h2,#masthead_search .rds-RichText.on-darkCanvas h3,#masthead_search .rds-RichText.on-darkCanvas h4,#masthead_search .rds-RichText.on-darkCanvas h5,#masthead_search .rds-RichText.on-darkCanvas h6{color:#fff}#masthead_search .rds-RichText.on-darkCanvas h2 a:hover,#masthead_search .rds-RichText.on-darkCanvas h3 a:hover,#masthead_search .rds-RichText.on-darkCanvas h4 a:hover,#masthead_search .rds-RichText.on-darkCanvas h5 a:hover,#masthead_search .rds-RichText.on-darkCanvas h6 a:hover{color:#f5f7f8}#masthead_search .rds-RichText.on-darkCanvas a,#masthead_search .rds-RichText.on-darkCanvas a:hover{color:#fff}#masthead_search .rds-RichText.on-darkCanvas blockquote{border-color:#fff;color:#fff}#masthead_search .rds-RichText.on-darkCanvas blockquote a:hover{color:#f5f7f8}#masthead_search .rds-RichText.on-darkCanvas blockquote>*{color:#fff}#masthead_search .rds-RichText.on-darkCanvas blockquote>* a:hover{color:#f5f7f8}#masthead_search .rds-RichText.on-darkCanvas hr{background-color:#fff}#masthead_search .rds-RichText pre{font-family:canada-type-gibson,Arial,sans-serif}#masthead_search .rds-MediaObject{align-items:flex-start;display:flex;justify-content:flex-start}#masthead_search .rds-MediaObject--centerAlignment{align-items:center}#masthead_search .rds-MediaObject--endAlignment{align-items:flex-end}#masthead_search .rds-MediaObject--verticalOnMobile{flex-direction:column}@media screen and (width >= 37.5em){#masthead_search .rds-MediaObject--verticalOnMobile{flex-direction:row}}#masthead_search .rds-MediaObject-figure{display:block;flex-shrink:0;margin-right:16px}#masthead_search .rds-MediaObject--verticalOnMobile .rds-MediaObject-figure{margin-bottom:16px;margin-left:0;margin-right:0}@media screen and (width >= 37.5em){#masthead_search .rds-MediaObject--verticalOnMobile .rds-MediaObject-figure{margin-bottom:0;margin-right:16px}}#masthead_search .rds-MediaObject--reversed .rds-MediaObject-figure{margin-left:16px;margin-right:0;order:1}#masthead_search .rds-MediaObject--reversed.rds-MediaObject--verticalOnMobile .rds-MediaObject-figure{margin-left:0;order:0}@media screen and (width >= 37.5em){#masthead_search .rds-MediaObject--reversed.rds-MediaObject--verticalOnMobile .rds-MediaObject-figure{margin-left:16px;order:1}}#masthead_search .rds-MediaObject-body{margin-bottom:0;margin-top:0;min-width:0}}@layer utilities{#masthead_search .sr-only{border-width:0;-webkit-clip-path:inset(50%);clip-path:inset(50%);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute;white-space:nowrap;width:1px}#masthead_search .absolute{position:absolute}#masthead_search .fixed{position:fixed}#masthead_search .right-0{right:0}#masthead_search .z-998{z-index:998}#masthead_search .z-999{z-index:999}#masthead_search .z-1000{z-index:1000}#masthead_search .container{width:100%}@media(width >= 37.5em){#masthead_search .container{max-width:37.5em}}@media(width >= 56.25em){#masthead_search .container{max-width:56.25em}}@media(width >= 75em){#masthead_search .container{max-width:75em}}@media(width >= 93.75em){#masthead_search .container{max-width:93.75em}}@media(width >= 112.5em){#masthead_search .container{max-width:112.5em}}#masthead_search .m-block-lg{margin:var(--spacing-block-lg)}#masthead_search .m-block-md{margin:var(--spacing-block-md)}#masthead_search .m-block-sm{margin:var(--spacing-block-sm)}#masthead_search .m-block-xs{margin:var(--spacing-block-xs)}#masthead_search .m-inline-md{margin:var(--spacing-inline-md)}#masthead_search .m-inline-sm{margin:var(--spacing-inline-sm)}#masthead_search .m-inline-xs{margin:var(--spacing-inline-xs)}#masthead_search .mt-1{margin-top:8px}#masthead_search .m-inline-md{margin-right:16px}#masthead_search .m-inline-sm{margin-right:8px}#masthead_search .m-inline-xs{margin-right:4px}#masthead_search .m-block-lg{margin-bottom:24px}#masthead_search .m-block-md{margin-bottom:16px}#masthead_search .m-block-sm{margin-bottom:8px}#masthead_search .m-block-xs{margin-bottom:4px}#masthead_search .mb-2{margin-bottom:16px}#masthead_search .ml-0{margin-left:0}#masthead_search .contents{display:contents}#masthead_search .flex{display:flex}#masthead_search .hidden{display:none}#masthead_search .inline{display:inline}#masthead_search .inline-flex{display:inline-flex}#masthead_search .h-20{height:160px}#masthead_search .h-24{height:192px}#masthead_search .h-screen{height:100vh}#masthead_search .icon-sm{width:14px}#masthead_search .w-screen{width:100vw}#masthead_search .max-w-full{max-width:100%}#masthead_search .min-w-\[240px\]{min-width:240px}#masthead_search .resize{resize:both}#masthead_search .list-none{list-style-type:none}#masthead_search .flex-row{flex-direction:row}#masthead_search .items-baseline{align-items:baseline}#masthead_search .items-center{align-items:center}#masthead_search .items-start{align-items:flex-start}#masthead_search .justify-center{justify-content:center}#masthead_search .rounded-sm{border-radius:var(--radius-sm)}#masthead_search .bg-blue-5{background-color:#ebf4fa}#masthead_search .bg-gray-10{background-color:#f5f7f8}#masthead_search .bg-overlay{background-color:rgba(31,36,38,.639)}#masthead_search .p-0{padding:0}#masthead_search .p-inset-xs{padding:8px;padding:var(--spacing-inset-xs)}#masthead_search .p-squish-md{padding:12px 20px}#masthead_search .p-squish-xs{padding:4px 8px}#masthead_search .pl-0{padding-left:0}#masthead_search .text-center{text-align:center}#masthead_search .text-end{text-align:end}#masthead_search .text-1{font-size:var(--text-1)}#masthead_search .leading-lg{--tw-leading:1.5;line-height:1.5}#masthead_search .font-semibold{--tw-font-weight:var(--font-weight-semibold);font-weight:var(--font-weight-semibold)}#masthead_search .text-blue-50{color:#0073b9}#masthead_search .text-gray-60{color:#69757a}#masthead_search .text-yellow-50{color:#fcd214}#masthead_search .uppercase{text-transform:uppercase}#masthead_search .no-underline{-webkit-text-decoration-line:none;text-decoration-line:none}#masthead_search .filter{-webkit-filter:var(--tw-blur, ) var(--tw-brightness, ) var(--tw-contrast, ) var(--tw-grayscale, ) var(--tw-hue-rotate, ) var(--tw-invert, ) var(--tw-saturate, ) var(--tw-sepia, ) var(--tw-drop-shadow, );filter:var(--tw-blur, ) var(--tw-brightness, ) var(--tw-contrast, ) var(--tw-grayscale, ) var(--tw-hue-rotate, ) var(--tw-invert, ) var(--tw-saturate, ) var(--tw-sepia, ) var(--tw-drop-shadow, )}@media(width >= 37.5em){#masthead_search .sm\:max-w-\[200px\]{max-width:200px}}}@layer theme{#masthead_search :host,#masthead_search :root{--font-weight-semibold:600;--radius-sm:4px;--text-1:12px;--spacing-inset-xs:8px;--spacing-inline-xs:4px;--spacing-inline-sm:8px;--spacing-inline-md:16px;--spacing-block-xs:4px;--spacing-block-sm:8px;--spacing-block-md:16px;--spacing-block-lg:24px}}@property --tw-leading{syntax:"*";inherits:false}@property --tw-font-weight{syntax:"*";inherits:false}@property --tw-blur{syntax:"*";inherits:false}@property --tw-brightness{syntax:"*";inherits:false}@property --tw-contrast{syntax:"*";inherits:false}@property --tw-grayscale{syntax:"*";inherits:false}@property --tw-hue-rotate{syntax:"*";inherits:false}@property --tw-invert{syntax:"*";inherits:false}@property --tw-opacity{syntax:"*";inherits:false}@property --tw-saturate{syntax:"*";inherits:false}@property --tw-sepia{syntax:"*";inherits:false}@property --tw-drop-shadow{syntax:"*";inherits:false}@property --tw-drop-shadow-color{syntax:"*";inherits:false}@property --tw-drop-shadow-alpha{syntax:"<percentage>";inherits:false;initial-value:100%}@property --tw-drop-shadow-size{syntax:"*";inherits:false}#masthead_search .rds-Tag,#masthead_search .rs-SearchResult-title em{font-style:normal;font-weight:600}#masthead_search .rds-Tag{align-items:center;background-color:#69757a;border-radius:9999px;color:#fff;display:inline-flex;flex-shrink:0;font-family:canada-type-gibson,Arial,sans-serif;font-size:16px;letter-spacing:normal;line-height:1;padding:4px 8px;text-align:center;text-decoration:none;text-indent:0;text-shadow:none;text-transform:none}#masthead_search a.rds-Tag:active,#masthead_search a.rds-Tag:focus,#masthead_search a.rds-Tag:hover{background-color:#495257}#masthead_search .rds-Tag.on-darkCanvas{background-color:#fff;color:#495257}#masthead_search a.rds-Tag.on-darkCanvas:active,#masthead_search a.rds-Tag.on-darkCanvas:focus,#masthead_search a.rds-Tag.on-darkCanvas:hover{background-color:#f5f7f8}#masthead_search .rds-Tag--subtle,#masthead_search .rds-Tag--subtle.on-darkCanvas{background-color:#e8eced;color:#495257}#masthead_search a.rds-Tag--subtle.on-darkCanvas:active,#masthead_search a.rds-Tag--subtle.on-darkCanvas:focus,#masthead_search a.rds-Tag--subtle.on-darkCanvas:hover,#masthead_search a.rds-Tag--subtle:active,#masthead_search a.rds-Tag--subtle:focus,#masthead_search a.rds-Tag--subtle:hover{background-color:#d5d9db}#masthead_search .rds-Tag--primary{background-color:var(--rds-tag-primary-background-color,#0073b9)}#masthead_search a.rds-Tag--primary:active,#masthead_search a.rds-Tag--primary:focus,#masthead_search a.rds-Tag--primary:hover{background-color:var(--rds-tag-primary-background-color-interactive,#005b98)}#masthead_search .rds-Tag--primary.on-darkCanvas{background-color:#fff;color:var(--rds-tag-primary-background-color,#0073b9)}#masthead_search .rds-Tag--primary.rds-Tag--subtle,#masthead_search .rds-Tag--primary.rds-Tag--subtle.on-darkCanvas{background-color:var(--rds-tag-primary-background-color-subtle,#ebf4fa);color:var(--rds-tag-primary-text-color-subtle,#005b98)}#masthead_search a.rds-Tag--primary.rds-Tag--subtle.on-darkCanvas:active,#masthead_search a.rds-Tag--primary.rds-Tag--subtle.on-darkCanvas:focus,#masthead_search a.rds-Tag--primary.rds-Tag--subtle.on-darkCanvas:hover,#masthead_search a.rds-Tag--primary.rds-Tag--subtle:active,#masthead_search a.rds-Tag--primary.rds-Tag--subtle:focus,#masthead_search a.rds-Tag--primary.rds-Tag--subtle:hover{background-color:var(--rds-tag-primary-background-color-subtle-interactive,#d8f1fc)}#masthead_search .rds-Tag--alternate{background-color:var(--rds-tag-alternate-background-color,#003561)}#masthead_search a.rds-Tag--alternate:active,#masthead_search a.rds-Tag--alternate:focus,#masthead_search a.rds-Tag--alternate:hover{background-color:var(--rds-tag-alternate-background-color-interactive,#002342)}#masthead_search .rds-Tag--alternate.on-darkCanvas,#masthead_search .rds-Tag--alternate.on-darkCanvas.rds-Tag--subtle{background-color:#fff;color:var(--rds-tag-alternate-background-color,#003561)}#masthead_search a.rds-Tag--alternate.on-darkCanvas.rds-Tag--subtle:active,#masthead_search a.rds-Tag--alternate.on-darkCanvas.rds-Tag--subtle:focus,#masthead_search a.rds-Tag--alternate.on-darkCanvas.rds-Tag--subtle:hover,#masthead_search a.rds-Tag--alternate.on-darkCanvas:active,#masthead_search a.rds-Tag--alternate.on-darkCanvas:focus,#masthead_search a.rds-Tag--alternate.on-darkCanvas:hover{background-color:#f5f7f8}#masthead_search .rds-Tag--alternate.rds-Tag--subtle{background-color:var(--rds-tag-alternate-background-color-subtle,rgba(0,53,97,.102));color:var(--rds-tag-alternate-text-color-subtle,#047)}#masthead_search a.rds-Tag--alternate.rds-Tag--subtle:active,#masthead_search a.rds-Tag--alternate.rds-Tag--subtle:focus,#masthead_search a.rds-Tag--alternate.rds-Tag--subtle:hover{background-color:var(--rds-tag-alternate-background-color-subtle-interactive,rgba(0,53,97,.2))}#masthead_search .rds-Tag--positive{background-color:#1b8533}#masthead_search a.rds-Tag--positive:active,#masthead_search a.rds-Tag--positive:focus,#masthead_search a.rds-Tag--positive:hover{background-color:#106621}#masthead_search .rds-Tag--positive.on-darkCanvas{color:#1b8533}#masthead_search .rds-Tag--positive.rds-Tag--subtle,#masthead_search .rds-Tag--positive.rds-Tag--subtle.on-darkCanvas{background-color:#eaf8ee;color:#106621}#masthead_search a.rds-Tag--positive.rds-Tag--subtle.on-darkCanvas:active,#masthead_search a.rds-Tag--positive.rds-Tag--subtle.on-darkCanvas:focus,#masthead_search a.rds-Tag--positive.rds-Tag--subtle.on-darkCanvas:hover,#masthead_search a.rds-Tag--positive.rds-Tag--subtle:active,#masthead_search a.rds-Tag--positive.rds-Tag--subtle:focus,#masthead_search a.rds-Tag--positive.rds-Tag--subtle:hover{background-color:#d9fae1}#masthead_search .rds-Tag--negative{background-color:#cc392f}#masthead_search a.rds-Tag--negative:active,#masthead_search a.rds-Tag--negative:focus,#masthead_search a.rds-Tag--negative:hover{background-color:#a62b24}#masthead_search .rds-Tag--negative.on-darkCanvas{color:#cc392f}#masthead_search .rds-Tag--negative.rds-Tag--subtle,#masthead_search .rds-Tag--negative.rds-Tag--subtle.on-darkCanvas{background-color:#fcedeb;color:#a62b24}#masthead_search a.rds-Tag--negative.rds-Tag--subtle.on-darkCanvas:active,#masthead_search a.rds-Tag--negative.rds-Tag--subtle.on-darkCanvas:focus,#masthead_search a.rds-Tag--negative.rds-Tag--subtle.on-darkCanvas:hover,#masthead_search a.rds-Tag--negative.rds-Tag--subtle:active,#masthead_search a.rds-Tag--negative.rds-Tag--subtle:focus,#masthead_search a.rds-Tag--negative.rds-Tag--subtle:hover{background-color:#fdded8}#masthead_search .rds-Tag--sm{font-size:12px;padding:4px 8px}#masthead_search .rds-Tag--lg{font-size:16px;padding:8px 16px}#masthead_search .rds-Tag-icon{flex-shrink:0;height:16px;margin-right:4px;width:16px}#masthead_search .rds-Tag--sm .rds-Tag-icon{height:12px;width:12px}#masthead_search .rds-Tabs{box-sizing:border-box;font-style:normal;letter-spacing:normal;line-height:1;text-align:start;text-indent:0;text-shadow:none;text-transform:none;width:100%}#masthead_search .rds-Tabs-list{border-bottom:1px solid #b6bec2;box-sizing:border-box;display:flex;flex-wrap:wrap;justify-content:flex-start}#masthead_search .rds-Tabs-list--center{justify-content:center}#masthead_search .rds-Tabs-list--right{justify-content:flex-end}#masthead_search .rds-Tabs-list--fill .rds-Tabs-container{flex-grow:1}#masthead_search .rds-Tabs-list--noDivider{border-bottom-color:transparent}#masthead_search .rds-Tabs-container{align-items:flex-end;position:relative}#masthead_search .rds-Tabs-tab{background-color:transparent;border:0;box-sizing:border-box;color:#495257;cursor:pointer;font-family:canada-type-gibson,Arial,sans-serif;font-weight:600;line-height:1;margin-bottom:3px;margin-top:0;width:100%}#masthead_search .is-onDarkCanvas .rds-Tabs-tab{color:#d5d9db}#masthead_search .rds-Tabs-tab.is-selected,#masthead_search .rds-Tabs-tab:hover{color:var(--rds-tabs-selected-color,#0073b9)}#masthead_search .is-onDarkCanvas .rds-Tabs-tab.is-selected,#masthead_search .is-onDarkCanvas .rds-Tabs-tab:hover{color:#fff}#masthead_search .rds-Tabs-tab:focus-visible{outline:none}#masthead_search .rds-Tabs-tab:focus-visible .rds-Tabs-inner{outline:2px solid #0073b9}#masthead_search .is-onDarkCanvas .rds-Tabs-tab:focus-visible .rds-Tabs-inner{outline-color:#fff}#masthead_search .rds-Tabs-tab:disabled{color:#495257;cursor:not-allowed;opacity:.2}#masthead_search .is-onDarkCanvas .rds-Tabs-tab:disabled{color:#d5d9db;opacity:.4}#masthead_search .rds-Tabs-inner{border-radius:4px;box-sizing:border-box;display:inline-block}#masthead_search .rds-Tabs-indicator{background-color:var(--rds-tabs-selected-color,#0073b9);border-radius:16px;bottom:-1px;height:4px;position:absolute;width:100%}#masthead_search .is-onDarkCanvas .rds-Tabs-indicator{background-color:#fff}#masthead_search .rds-Tabs-panel{box-sizing:border-box}#masthead_search .rds-Tabs-panel--noGap{padding-top:0}@media screen and (width >= 37.5em){#masthead_search .rds-Tabs .rds-Tabs-list{gap:16px}#masthead_search .rds-Tabs .rds-Tabs-tab{font-size:16px;padding:8px}#masthead_search .rds-Tabs .rds-Tabs-inner{padding:4px}#masthead_search .rds-Tabs .rds-Tabs-panel:not(.rds-Tabs-panel--noGap){padding-top:32px}}@media screen and (width >= 56.25em){#masthead_search .rds-Tabs .rds-Tabs-list{gap:8px}#masthead_search .rds-Tabs .rds-Tabs-tab{font-size:18px;padding:8px}#masthead_search .rds-Tabs .rds-Tabs-inner{padding:8px}#masthead_search .rds-Tabs .rds-Tabs-panel:not(.rds-Tabs-panel--noGap){padding-top:32px}}#masthead_search .rds-Tabs--sm .rds-Tabs-list{gap:16px}#masthead_search .rds-Tabs--sm .rds-Tabs-tab{font-size:16px;padding:4px}#masthead_search .rds-Tabs--sm .rds-Tabs-inner{padding:2px}#masthead_search .rds-Tabs--sm .rds-Tabs-panel:not(.rds-Tabs-panel--noGap){padding-top:24px}#masthead_search .rds-Tabs--md .rds-Tabs-list{gap:16px}#masthead_search .rds-Tabs--md .rds-Tabs-tab{font-size:16px;padding:8px}#masthead_search .rds-Tabs--md .rds-Tabs-inner{padding:4px}#masthead_search .rds-Tabs--md .rds-Tabs-panel:not(.rds-Tabs-panel--noGap){padding-top:32px}#masthead_search .rds-Tabs--lg .rds-Tabs-list{gap:8px}#masthead_search .rds-Tabs--lg .rds-Tabs-tab{font-size:18px;padding:8px}#masthead_search .rds-Tabs--lg .rds-Tabs-inner{padding:8px}#masthead_search .rds-Tabs--lg .rds-Tabs-panel:not(.rds-Tabs-panel--noGap){padding-top:32px}@media screen and (width <= 37.4375em){#masthead_search .rds-Tabs .rds-Tabs-list{gap:16px}#masthead_search .rds-Tabs .rds-Tabs-tab{font-size:16px;padding:4px}#masthead_search .rds-Tabs .rds-Tabs-inner{padding:2px}#masthead_search .rds-Tabs .rds-Tabs-panel:not(.rds-Tabs-panel--noGap){padding-top:24px}}#masthead_search .rds-Icon{height:auto;max-width:100%;width:16px;fill:currentColor;vertical-align:middle}#masthead_search .rds-Icon--xsmall{width:12px}#masthead_search .rds-Icon--small{width:14px}#masthead_search .rds-Icon--large{width:24px}#masthead_search .rds-Icon--xlarge{width:32px}#masthead_search .rds-Icon--2xlarge{width:48px}#masthead_search .rds-Icon--3xlarge{width:64px}#masthead_search .rds-Icon--primary{fill:var(--rds-icon-primary-fill-color,#0073b9)}#masthead_search .rds-Icon--alternate{fill:var(--rds-icon-alternate-fill-color,#00b2f6)}#masthead_search .rds-Icon--neutral{fill:#b6bec2}#masthead_search .rds-Icon--light{fill:#fff}#masthead_search .rds-Icon--positive{fill:#35bd59}#masthead_search .rds-Icon--negative{fill:#e64b40}#masthead_search .rds-Input{flex:1;position:relative;width:100%}#masthead_search .rds-Input input{background-color:#fff;border:1px solid #69757a;border-radius:4px;box-sizing:border-box;color:#1f2426;display:block;font-family:canada-type-gibson,Arial,sans-serif;font-size:16px;font-weight:400;height:42px;line-height:1;margin:0;padding:12px;width:100%}#masthead_search .rds-Input input:not(:first-child){padding-left:32px}#masthead_search .rds-Input input:not(:last-child){padding-right:32px}#masthead_search .rds-Input input::-webkit-input-placeholder{color:#69757a}#masthead_search .rds-Input input:-ms-input-placeholder{color:#69757a}#masthead_search .rds-Input input::placeholder{color:#69757a}#masthead_search .rds-Input input:read-only{background-color:#f5f7f8;border-color:#d5d9db}#masthead_search .rds-Input input:active,#masthead_search .rds-Input input:focus{border-color:#0073b9;box-shadow:inset 0 0 0 1px #0073b9;outline:0}#masthead_search .rds-Input input:disabled{background-color:#f5f7f8;border-color:#d5d9db;box-shadow:none;color:#b6bec2;cursor:not-allowed}#masthead_search .rds-Input input:disabled::-webkit-input-placeholder{color:#b6bec2}#masthead_search .rds-Input input:disabled:-ms-input-placeholder{color:#b6bec2}#masthead_search .rds-Input input:disabled::placeholder{color:#b6bec2}#masthead_search .rds-Input-icon{color:#69757a;position:absolute;top:50%;transform:translateY(-50%)}#masthead_search .rds-Input-icon:first-child{left:2px;margin-left:12px}#masthead_search .rds-Input-icon:last-child{margin-right:12px;right:2px}#masthead_search .rds-Input--sm input{font-size:14px;height:32px;padding:8px}#masthead_search .rds-Input--sm input:not(:first-child){padding-left:26px}#masthead_search .rds-Input--sm input:not(:last-child){padding-right:26px}#masthead_search .rds-Input--sm .rds-Input-icon:first-child{margin-left:8px}#masthead_search .rds-Input--sm .rds-Input-icon:last-child{margin-right:8px}#masthead_search .rds-Input--lg input{font-size:18px;height:52px;padding:16px}#masthead_search .rds-Input--lg input:not(:first-child){padding-left:36px}#masthead_search .rds-Input--lg input:not(:last-child){padding-right:36px}#masthead_search .rds-Input--lg .rds-Input-icon:first-child{margin-left:16px}#masthead_search .rds-Input--lg .rds-Input-icon:last-child{margin-right:16px}#masthead_search .rds-Input--lengthXS{flex:initial;width:100px}#masthead_search .rds-Input--lengthSM{flex:initial;width:200px}#masthead_search .rds-Input--lengthMD{flex:initial;width:300px}#masthead_search .rds-Input--lengthLG{flex:initial;width:425px}#masthead_search .rds-Input--lengthXL{flex:initial;width:550px}#masthead_search .rds-Input.is-invalid input:not(:disabled,:read-only){border-color:#cc392f;box-shadow:inset 0 0 0 1px #cc392f}#masthead_search .rds-Input:has(input:read-only:not(:disabled)) .rds-Input-icon{color:#495257}#masthead_search .rds-Input.is-disabled .rds-Input-icon{color:#b6bec2}#masthead_search .rds-Button{align-items:center;background-color:var(--rds-button-background-color,#0073b9);border:1px solid transparent;border-radius:4px;box-shadow:inset #0073b9;box-sizing:border-box;color:var(--rds-button-text-color,#fff);cursor:pointer;display:inline-flex;flex-shrink:0;font-family:canada-type-gibson,Arial,sans-serif;font-size:16px;font-style:normal;font-weight:600;justify-content:center;letter-spacing:normal;line-height:1;padding:12px 20px;text-align:center;text-decoration:none;text-indent:0;text-shadow:none;text-transform:none;transition:background-color .3s cubic-bezier(.19,1,.22,1),border-color .3s cubic-bezier(.19,1,.22,1),color .3s cubic-bezier(.19,1,.22,1);width:auto;word-break:break-word}#masthead_search .rds-Button.is-loading,#masthead_search .rds-Button:active:not([disabled]),#masthead_search .rds-Button:focus:not([disabled]),#masthead_search .rds-Button:hover:not([disabled]){background-color:var(--rds-button-background-color-interactive,#005b98);color:#fff}#masthead_search .rds-Button.on-darkCanvas{background-color:#fff;color:var(--rds-button-background-color,#0073b9)}#masthead_search .rds-Button.on-darkCanvas.is-loading,#masthead_search .rds-Button.on-darkCanvas:active:not([disabled]),#masthead_search .rds-Button.on-darkCanvas:focus:not([disabled]),#masthead_search .rds-Button.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.9);color:var(--rds-button-background-color,#0073b9)}#masthead_search .rds-Button--alternate,#masthead_search .rds-Button--alternate.on-darkCanvas{background-color:var(--rds-button-alternate-background-color,#fcd214);color:var(--rds-button-alternate-text-color,#003561)}#masthead_search .rds-Button--alternate.is-loading,#masthead_search .rds-Button--alternate.on-darkCanvas.is-loading,#masthead_search .rds-Button--alternate.on-darkCanvas:active:not([disabled]),#masthead_search .rds-Button--alternate.on-darkCanvas:focus:not([disabled]),#masthead_search .rds-Button--alternate.on-darkCanvas:hover:not([disabled]),#masthead_search .rds-Button--alternate:active:not([disabled]),#masthead_search .rds-Button--alternate:focus:not([disabled]),#masthead_search .rds-Button--alternate:hover:not([disabled]){background-color:var(--rds-button-alternate-background-color-interactive,#ffe45e);color:var(--rds-button-alternate-text-color,#003561)}#masthead_search .rds-Button--ghost{background-color:transparent;border-color:var(--rds-button-background-color,#0073b9);box-shadow:0 0 0 1px var(--rds-button-background-color,#0073b9) inset;color:var(--rds-button-background-color,#0073b9)}#masthead_search .rds-Button--ghost.on-darkCanvas{background-color:transparent;border-color:#fff;box-shadow:inset 0 0 0 1px #fff;color:#fff}#masthead_search .rds-Button--ghost.on-darkCanvas.is-loading,#masthead_search .rds-Button--ghost.on-darkCanvas:active:not([disabled]),#masthead_search .rds-Button--ghost.on-darkCanvas:focus:not([disabled]),#masthead_search .rds-Button--ghost.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.1);color:#fff}#masthead_search .rds-Button--ghost.is-loading,#masthead_search .rds-Button--ghost:active:not([disabled]),#masthead_search .rds-Button--ghost:focus:not([disabled]),#masthead_search .rds-Button--ghost:hover:not([disabled]){background-color:var(--rds-button-transparent-background-color-interactive,rgba(0,115,185,.1));color:var(--rds-button-background-color,#0073b9)}#masthead_search .rds-Button--subtle{background-color:transparent;color:var(--rds-button-background-color,#0073b9)}#masthead_search .rds-Button--subtle.on-darkCanvas{background-color:transparent;color:#fff}#masthead_search .rds-Button--subtle.on-darkCanvas.is-loading,#masthead_search .rds-Button--subtle.on-darkCanvas:active:not([disabled]),#masthead_search .rds-Button--subtle.on-darkCanvas:focus:not([disabled]),#masthead_search .rds-Button--subtle.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.1);color:#fff}#masthead_search .rds-Button--subtle.is-loading,#masthead_search .rds-Button--subtle:active:not([disabled]),#masthead_search .rds-Button--subtle:focus:not([disabled]),#masthead_search .rds-Button--subtle:hover:not([disabled]){background-color:var(--rds-button-transparent-background-color-interactive,rgba(0,115,185,.1));color:var(--rds-button-background-color,#0073b9)}#masthead_search .rds-Button--danger{background-color:#e64b40;color:#fff}#masthead_search .rds-Button--danger.on-darkCanvas{background-color:#fff;color:#e64b40}#masthead_search .rds-Button--danger.on-darkCanvas.is-loading,#masthead_search .rds-Button--danger.on-darkCanvas:active:not([disabled]),#masthead_search .rds-Button--danger.on-darkCanvas:focus:not([disabled]),#masthead_search .rds-Button--danger.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.9);color:#e64b40}#masthead_search .rds-Button--danger.is-loading,#masthead_search .rds-Button--danger:active:not([disabled]),#masthead_search .rds-Button--danger:focus:not([disabled]),#masthead_search .rds-Button--danger:hover:not([disabled]){background-color:#cc392f;color:#fff}#masthead_search .rds-Button--dangerSubtle{background-color:transparent;color:#e64b40}#masthead_search .rds-Button--dangerSubtle.on-darkCanvas{background-color:#fff;color:#e64b40}#masthead_search .rds-Button--dangerSubtle.on-darkCanvas.is-loading,#masthead_search .rds-Button--dangerSubtle.on-darkCanvas:active:not([disabled]),#masthead_search .rds-Button--dangerSubtle.on-darkCanvas:focus:not([disabled]),#masthead_search .rds-Button--dangerSubtle.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.9);color:#e64b40}#masthead_search .rds-Button--dangerSubtle.is-loading,#masthead_search .rds-Button--dangerSubtle:active:not([disabled]),#masthead_search .rds-Button--dangerSubtle:focus:not([disabled]),#masthead_search .rds-Button--dangerSubtle:hover:not([disabled]){background:rgba(230,75,64,.1);color:#e64b40}#masthead_search .rds-Button--neutralSubtle{background-color:transparent;color:#1f2426}#masthead_search .rds-Button--neutralSubtle.on-darkCanvas{background-color:transparent;color:#fff}#masthead_search .rds-Button--neutralSubtle.on-darkCanvas.is-loading,#masthead_search .rds-Button--neutralSubtle.on-darkCanvas:active:not([disabled]),#masthead_search .rds-Button--neutralSubtle.on-darkCanvas:focus:not([disabled]),#masthead_search .rds-Button--neutralSubtle.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.1);color:#fff}#masthead_search .rds-Button--neutralSubtle.is-loading,#masthead_search .rds-Button--neutralSubtle:active:not([disabled]),#masthead_search .rds-Button--neutralSubtle:focus:not([disabled]),#masthead_search .rds-Button--neutralSubtle:hover:not([disabled]){background-color:rgba(232,236,237,.44);color:#1f2426}#masthead_search .rds-Button--small{font-size:14px;padding:8px 16px}#masthead_search .rds-Button--large{font-size:18px;padding:16px 24px}#masthead_search .rds-Button--xlarge{font-size:20px;padding:20px 28px}#masthead_search .rds-Button--fullWidthOnMobile{width:100%}@media screen and (min-width:37.5em){#masthead_search .rds-Button--fullWidthOnMobile{width:auto}}#masthead_search .rds-Button--iconOnly{padding:12px}#masthead_search .rds-Button--iconOnly.rds-Button--small{padding:8px}#masthead_search .rds-Button--iconOnly.rds-Button--large{padding:13px}#masthead_search .rds-Button--iconOnly.rds-Button--xlarge{padding:18px}#masthead_search .rds-Button-icon{flex-shrink:0;pointer-events:none;transform-origin:center}#masthead_search .rds-Button-icon--left{margin-right:8px}#masthead_search .rds-Button-icon--right{margin-left:8px}#masthead_search .rds-Button[disabled]{cursor:not-allowed}#masthead_search .rds-Button.is-disabled,#masthead_search .rds-Button[disabled]{opacity:.4;-webkit-user-select:none;-ms-user-select:none;user-select:none}#masthead_search a.rds-Button.is-disabled,#masthead_search a.rds-Button.is-loading{pointer-events:none}#masthead_search .rds-Button.is-loading{opacity:1}#masthead_search .rds-Button.is-loading .rds-Button-icon{animation:rotate 1s linear infinite}@keyframes rotate{0%{transform:rotate(0deg)}to{transform:rotate(1turn)}}#masthead_search .rs-DesktopNavSearch{display:none}@media screen and (min-width:75em){#masthead_search .rs-DesktopNavSearch{display:block}}#masthead_search .rs-MobileDialogSearch{display:block;min-width:42px}@media screen and (min-width:75em){#masthead_search .rs-MobileDialogSearch{display:none}}      </style>

    


<script>
  window.HEADER_SEARCH_CONTENT = {
    placeholder: 'What are you looking for?',
    searchAction: 'https://www.ramseysolutions.com/search/results',
    engineName: 'ramseysolutions-com',
    searchKey: 'search-jre4u12hqsb9r5bsixw584he',
    endpointBase: 'https://ramseysolutions.ent.us-east-1.aws.found.io',
    ...window.HEADER_SEARCH_CONTENT,
  };
</script>

<div id="masthead_search">
  <div id="nav_search" class="rs-DesktopNavSearch"></div>
  <div class="rs-MobileDialogSearch">

      <style>
.rds-Button_5{align-items:center;background-color:var(--rds-button-background-color,#0073b9);border:1px solid transparent;border-radius:4px;box-shadow:inset #0073b9;box-sizing:border-box;color:var(--rds-button-text-color,#fff);cursor:pointer;display:inline-flex;flex-shrink:0;font-family:canada-type-gibson,Arial,sans-serif;font-size:16px;font-style:normal;font-weight:600;justify-content:center;letter-spacing:normal;line-height:1;padding:12px 20px;text-align:center;text-decoration:none;text-indent:0;text-shadow:none;text-transform:none;transition:background-color .3s cubic-bezier(.19,1,.22,1),border-color .3s cubic-bezier(.19,1,.22,1),color .3s cubic-bezier(.19,1,.22,1);width:auto;word-break:break-word}.rds-Button_5.is-loading,.rds-Button_5:active:not([disabled]),.rds-Button_5:focus:not([disabled]),.rds-Button_5:hover:not([disabled]){background-color:var(--rds-button-background-color-interactive,#005b98);color:#fff}.rds-Button_5.on-darkCanvas{background-color:#fff;color:var(--rds-button-background-color,#0073b9)}.rds-Button_5.on-darkCanvas.is-loading,.rds-Button_5.on-darkCanvas:active:not([disabled]),.rds-Button_5.on-darkCanvas:focus:not([disabled]),.rds-Button_5.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.9);color:var(--rds-button-background-color,#0073b9)}.rds-Button--alternate_5,.rds-Button--alternate_5.on-darkCanvas{background-color:var(--rds-button-alternate-background-color,#fcd214);color:var(--rds-button-alternate-text-color,#003561)}.rds-Button--alternate_5.is-loading,.rds-Button--alternate_5.on-darkCanvas.is-loading,.rds-Button--alternate_5.on-darkCanvas:active:not([disabled]),.rds-Button--alternate_5.on-darkCanvas:focus:not([disabled]),.rds-Button--alternate_5.on-darkCanvas:hover:not([disabled]),.rds-Button--alternate_5:active:not([disabled]),.rds-Button--alternate_5:focus:not([disabled]),.rds-Button--alternate_5:hover:not([disabled]){background-color:var(--rds-button-alternate-background-color-interactive,#ffe45e);color:var(--rds-button-alternate-text-color,#003561)}.rds-Button--ghost_5{background-color:transparent;border-color:var(--rds-button-background-color,#0073b9);box-shadow:0 0 0 1px var(--rds-button-background-color,#0073b9) inset;color:var(--rds-button-background-color,#0073b9)}.rds-Button--ghost_5.on-darkCanvas{background-color:transparent;border-color:#fff;box-shadow:inset 0 0 0 1px #fff;color:#fff}.rds-Button--ghost_5.on-darkCanvas.is-loading,.rds-Button--ghost_5.on-darkCanvas:active:not([disabled]),.rds-Button--ghost_5.on-darkCanvas:focus:not([disabled]),.rds-Button--ghost_5.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.1);color:#fff}.rds-Button--ghost_5.is-loading,.rds-Button--ghost_5:active:not([disabled]),.rds-Button--ghost_5:focus:not([disabled]),.rds-Button--ghost_5:hover:not([disabled]){background-color:var(--rds-button-transparent-background-color-interactive,rgba(0,115,185,.1));color:var(--rds-button-background-color,#0073b9)}.rds-Button--subtle_5{background-color:transparent;color:var(--rds-button-background-color,#0073b9)}.rds-Button--subtle_5.on-darkCanvas{background-color:transparent;color:#fff}.rds-Button--subtle_5.on-darkCanvas.is-loading,.rds-Button--subtle_5.on-darkCanvas:active:not([disabled]),.rds-Button--subtle_5.on-darkCanvas:focus:not([disabled]),.rds-Button--subtle_5.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.1);color:#fff}.rds-Button--subtle_5.is-loading,.rds-Button--subtle_5:active:not([disabled]),.rds-Button--subtle_5:focus:not([disabled]),.rds-Button--subtle_5:hover:not([disabled]){background-color:var(--rds-button-transparent-background-color-interactive,rgba(0,115,185,.1));color:var(--rds-button-background-color,#0073b9)}.rds-Button--danger_5{background-color:#e64b40;color:#fff}.rds-Button--danger_5.on-darkCanvas{background-color:#fff;color:#e64b40}.rds-Button--danger_5.on-darkCanvas.is-loading,.rds-Button--danger_5.on-darkCanvas:active:not([disabled]),.rds-Button--danger_5.on-darkCanvas:focus:not([disabled]),.rds-Button--danger_5.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.9);color:#e64b40}.rds-Button--danger_5.is-loading,.rds-Button--danger_5:active:not([disabled]),.rds-Button--danger_5:focus:not([disabled]),.rds-Button--danger_5:hover:not([disabled]){background-color:#cc392f;color:#fff}.rds-Button--dangerSubtle_5{background-color:transparent;color:#e64b40}.rds-Button--dangerSubtle_5.on-darkCanvas{background-color:#fff;color:#e64b40}.rds-Button--dangerSubtle_5.on-darkCanvas.is-loading,.rds-Button--dangerSubtle_5.on-darkCanvas:active:not([disabled]),.rds-Button--dangerSubtle_5.on-darkCanvas:focus:not([disabled]),.rds-Button--dangerSubtle_5.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.9);color:#e64b40}.rds-Button--dangerSubtle_5.is-loading,.rds-Button--dangerSubtle_5:active:not([disabled]),.rds-Button--dangerSubtle_5:focus:not([disabled]),.rds-Button--dangerSubtle_5:hover:not([disabled]){background:rgba(230,75,64,.1);color:#e64b40}.rds-Button--neutralSubtle_5{background-color:transparent;color:#1f2426}.rds-Button--neutralSubtle_5.on-darkCanvas{background-color:transparent;color:#fff}.rds-Button--neutralSubtle_5.on-darkCanvas.is-loading,.rds-Button--neutralSubtle_5.on-darkCanvas:active:not([disabled]),.rds-Button--neutralSubtle_5.on-darkCanvas:focus:not([disabled]),.rds-Button--neutralSubtle_5.on-darkCanvas:hover:not([disabled]){background-color:hsla(0,0%,100%,.1);color:#fff}.rds-Button--neutralSubtle_5.is-loading,.rds-Button--neutralSubtle_5:active:not([disabled]),.rds-Button--neutralSubtle_5:focus:not([disabled]),.rds-Button--neutralSubtle_5:hover:not([disabled]){background-color:rgba(232,236,237,.44);color:#1f2426}.rds-Button--small_5{font-size:14px;padding:8px 16px}.rds-Button--large_5{font-size:18px;padding:16px 24px}.rds-Button--xlarge_5{font-size:20px;padding:20px 28px}.rds-Button--fullWidthOnMobile_5{width:100%}@media screen and (min-width:37.5em){.rds-Button--fullWidthOnMobile_5{width:auto}}.rds-Button--iconOnly_5{padding:12px}.rds-Button--iconOnly_5.rds-Button--small_5{padding:8px}.rds-Button--iconOnly_5.rds-Button--large_5{padding:13px}.rds-Button--iconOnly_5.rds-Button--xlarge_5{padding:18px}.rds-Button-icon_5{flex-shrink:0;pointer-events:none;transform-origin:center}.rds-Button-icon--left_5{margin-right:8px}.rds-Button-icon--right_5{margin-left:8px}.rds-Button_5[disabled]{cursor:not-allowed}.rds-Button_5.is-disabled,.rds-Button_5[disabled]{opacity:.4;-webkit-user-select:none;-ms-user-select:none;user-select:none}a.rds-Button_5.is-disabled,a.rds-Button_5.is-loading{pointer-events:none}.rds-Button_5.is-loading{opacity:1}.rds-Button_5.is-loading .rds-Button-icon_5{animation:rotate_5 1s linear infinite}@keyframes rotate_5{0%{transform:rotate(0deg)}to{transform:rotate(1turn)}}      </style>

    













  <button aria-label="Search"id="dialog_search_button"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--iconOnly_5 "><svg
fill="currentColor"
class="rds-Button-icon_5"
width="16"
height="16"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramsey-design-system/assets/dist/img/icons/ramsey-icons.svg#icon-search" />
</svg></button>
    <div id="dialog_search" class="rs-DialogSearch"></div>
  </div>

      <script src="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/js/components/navSearch/navSearch.min~2026-06-08-21-29-13-000~cache.js" async></script>

    
</div>
    

      
    </div>



      <style>
.rds-Stack_toolkit{align-items:center;display:flex;flex-wrap:wrap;gap:16px;justify-content:flex-start}.rds-Stack--2xsSpacing_toolkit{gap:2px}.rds-Stack--xsSpacing_toolkit{gap:4px}.rds-Stack--smSpacing_toolkit{gap:8px}.rds-Stack--lgSpacing_toolkit{gap:24px}.rds-Stack--xlSpacing_toolkit{gap:32px}.rds-Stack--2xlSpacing_toolkit{gap:48px}.rds-Stack--topVerticalAlignment_toolkit{align-items:flex-start}.rds-Stack--bottomVerticalAlignment_toolkit{align-items:flex-end}.rds-Stack--fillVerticalAlignment_toolkit:not(.rds-Stack--vertical_toolkit){align-items:stretch}.rds-Stack--centerHorizontalAlignment_toolkit{justify-content:center}.rds-Stack--rightHorizontalAlignment_toolkit{justify-content:flex-end}.rds-Stack--fillHorizontalAlignment_toolkit:not(.rds-Stack--vertical_toolkit)>*{flex-grow:1}.rds-Stack--vertical_toolkit{align-items:flex-start;flex-direction:column;justify-content:center}.rds-Stack--vertical_toolkit.rds-Stack--topVerticalAlignment_toolkit{justify-content:flex-start}.rds-Stack--vertical_toolkit.rds-Stack--bottomVerticalAlignment_toolkit{justify-content:flex-end}.rds-Stack--vertical_toolkit.rds-Stack--fillVerticalAlignment_toolkit>*{flex-grow:1}.rds-Stack--vertical_toolkit.rds-Stack--centerHorizontalAlignment_toolkit{align-items:center}.rds-Stack--vertical_toolkit.rds-Stack--rightHorizontalAlignment_toolkit{align-items:flex-end}.rds-Stack--vertical_toolkit.rds-Stack--fillHorizontalAlignment_toolkit{align-items:stretch}.rds-Stack--noWrap_toolkit{flex-wrap:nowrap}      </style>

    









  <div
      class="rds-Stack_toolkit rds-Stack--smSpacing_toolkit rs-Masthead-actions"
  >
    <div id="rsMastheadActions" class="rs-Masthead-auth">
      


    

<div  class="rs-ExternalComponent" data-mgnl-id="11f74e78-ef96-43a0-9bef-2b2a21c24b95">
    

<div id="aec-component-root" class="authenticatedEngagementComponent" data-serving-app-name="{{ configuration.appName }}"></div>

<style>
  #rsMastheadActions:has(#aec-component-root > *) > a {
    display: none;
  }
</style>


  <link rel="stylesheet" href="/forms/martech/auth/masthead/dist/css/masthead.css">



  <script crossorigin type="application/javascript" src="/forms/martech/auth/masthead/dist/js/masthead.js"></script>




</div>
    

      












  <a data-authentication-intent=""href="https://www.ramseysolutions.com/sign-in"class="rds-Link_1 rs-Masthead-userAuth u-spacingInlineSm u-hide@deskAndUp">Sign In</a>









  <a data-authentication-intent=""href="https://www.ramseysolutions.com/sign-in"class="rds-Button_5 rds-Button--ghost_5 rs-Masthead-userAuth rs-Masthead-desktopUserAuth u-spacingInlineXs u-show@deskAndUp">          Sign In
</a>
    </div>
  </div>














  <button data-rs-toggle-menu="#nav-primary"aria-label="Menu"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--iconOnly_5 rs-Masthead-menuButton u-hide@deskAndUp"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="16"
height="16"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-menu" />
</svg></button>
  </div>
</header>

<nav
  role="navigation"
  id="nav-primary"
  class="rs-PrimaryNav rs-MainNavigation"
  data-analytics-page-region="nav-primary"
  data-rs-menu-wrapper
  data-analytics-navigation-main
  data-elastic-exclude
>



      <style>
.rs-MenuItemTwo{margin:0;padding-block:16px;padding-right:16px}.rs-MenuItemTwo-title{padding-inline:4px}.rs-MenuItemTwo-title.underline{text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:.25em}.rs-MenuItemTwo:first-child .rs-MenuItemTwo-title{padding-left:0}.rs-MenuItemTwo-dialog{background-color:#fff;border-radius:0 0 16px 16px;box-shadow:inset 0 2px 4px 0 rgba(31,36,38,.1),0 2px 4px 0 rgba(31,36,38,.1);left:50%;opacity:0;padding:32px;position:absolute;top:100%;transform:translate(-50%);transition:opacity .2s ease,transform .2s ease,visibility 0s .2s;visibility:hidden;width:1200px;z-index:3}.rs-MenuItemTwo-accessibilityToggle{display:inline;opacity:0;padding:8px 4px!important;pointer-events:none}.rs-MenuItemTwo-accessibilityToggle:focus-visible,.rs-MenuItemTwo-accessibilityToggle:focus-within{opacity:1;pointer-events:auto}.rs-MenuItemTwo-accessibilityToggle>svg{height:8px;width:8px}.rs-MenuItemMobile{list-style-type:none}.rs-MainMenu{align-items:center;display:none;justify-content:flex-start;margin:auto;max-width:1232px;padding-inline:16px}@media screen and (min-width:75em){.rs-MainMenu{display:flex}}.rs-MainMenu li,.rs-MainMenu ol,.rs-MainMenu ul{list-style-type:none}.rs-MainMenu-overlay{background-color:rgba(31,36,38,.64);left:0;opacity:0;position:absolute;right:0;top:100%;transition:opacity .2s ease,transform .2s ease,visibility 0s .2s;visibility:hidden;width:100vw}@media screen and (min-width:75em){.rs-MainMenu-overlay{height:100vh}}.rs-MainMenuMobile{padding:0;position:relative}.rds-Divider{background-color:#d5d9db;border:0;border-radius:9999px;box-sizing:border-box;color:#d5d9db;height:1px;margin:0;width:100%}.rds-Divider--spacing2xs{margin-bottom:2px;margin-top:2px}.rds-Divider--spacingXs{margin-bottom:4px;margin-top:4px}.rds-Divider--spacingSm{margin-bottom:8px;margin-top:8px}.rds-Divider--spacingMd{margin-bottom:16px;margin-top:16px}.rds-Divider--spacingLg{margin-bottom:24px;margin-top:24px}.rds-Divider--spacingXl{margin-bottom:32px;margin-top:32px}.rds-Divider--spacing2xl{margin-bottom:48px;margin-top:48px}.rds-Divider--spacing3xl{margin-bottom:64px;margin-top:64px}.rds-Divider--spacing4xl{margin-bottom:96px;margin-top:96px}.rds-Divider--spacing5xl{margin-bottom:160px;margin-top:160px}.rds-Divider--spacing6xl{margin-bottom:256px;margin-top:256px}.rds-Divider--spacing7xl{margin-bottom:384px;margin-top:384px}.rds-Divider--spacingTop2xs{margin-top:2px}.rds-Divider--spacingTopXs{margin-top:4px}.rds-Divider--spacingTopSm{margin-top:8px}.rds-Divider--spacingTopMd{margin-top:16px}.rds-Divider--spacingTopLg{margin-top:24px}.rds-Divider--spacingTopXl{margin-top:32px}.rds-Divider--spacingTop2xl{margin-top:48px}.rds-Divider--spacingTop3xl{margin-top:64px}.rds-Divider--spacingTop4xl{margin-top:96px}.rds-Divider--spacingTop5xl{margin-top:160px}.rds-Divider--spacingTop6xl{margin-top:256px}.rds-Divider--spacingTop7xl{margin-top:384px}.rds-Divider--spacingBottom2xs{margin-bottom:2px}.rds-Divider--spacingBottomXs{margin-bottom:4px}.rds-Divider--spacingBottomSm{margin-bottom:8px}.rds-Divider--spacingBottomMd{margin-bottom:16px}.rds-Divider--spacingBottomLg{margin-bottom:24px}.rds-Divider--spacingBottomXl{margin-bottom:32px}.rds-Divider--spacingBottom2xl{margin-bottom:48px}.rds-Divider--spacingBottom3xl{margin-bottom:64px}.rds-Divider--spacingBottom4xl{margin-bottom:96px}.rds-Divider--spacingBottom5xl{margin-bottom:160px}.rds-Divider--spacingBottom6xl{margin-bottom:256px}.rds-Divider--spacingBottom7xl{margin-bottom:384px}.rs-SubmenuTwo--column ul{list-style:none;-webkit-padding-start:0;padding-inline-start:0}.rs-SubmenuTwo .rs-IndentedLink{padding-left:24px}.rs-SubmenuTwoBody .rs-SubmenuTwo--column ul>li:not(.u-Hide,li:not(.u-Hide)~li)>a:first-child{margin-top:48px}.rs-SubmenuMobile{border-bottom:1px solid #e8eced;display:block;margin:0 16px;position:relative}.rs-SubmenuMobile-title{color:#0073b9;cursor:pointer;display:inline-flex;font-weight:400;padding:16px 0;text-decoration:none}.rs-SubmenuMobile-titleIcon{margin-right:4px}.rs-SubmenuMobile-expandContainer{bottom:0;margin:auto;position:absolute;right:0;top:0}.rs-SubmenuMobile-columnItem{margin-bottom:24px}.rs-SubmenuMobile-columnItem a{text-decoration:none!important;width:100%}.rs-MainNavigation .open{opacity:1;transition:opacity .2s ease,visibility 0s;transition-delay:.2s;visibility:visible}      </style>

    
<ul class="rs-MainMenuMobile u-hide@deskAndUp">
    





  <li
    class="rs-SubmenuMobile "
    data-rs-parent-menu
    data-rs-submenu-money
    data-rs-child-visibility-toggle="money"
  >
    <div class="rs-SubmenuMobile-title" data-rs-submenu="money" data-rs-child-visibility-toggle="money">
      Money
    </div>














  <button data-rs-child-visibility-toggle="money"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-expandContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-right" />
</svg></button>

    <div class="rs-Submenu-container" data-rs-child-menu="money" data-rs-analytics-element-visibility="mobile-money">
      <div class="rs-Submenu-innerContainer">
        <div class="rs-Submenu-containerHeader">














  <button data-rs-child-visibility-toggle="money"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-closeContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-left" />
</svg></button>
          <span class="rs-Submenu-containerTitle">Money</span>
        </div>
        <ul class="rs-MenuItemMobile">
          <li class="rs-MenuItem">
<div class="rs-SubmenuTwo">
  
   <div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >


      <style>
.rds-Text_2{color:#1f2426;font-family:canada-type-gibson,Arial,sans-serif;font-size:18px;font-weight:400;letter-spacing:0;line-height:1.25;margin-bottom:0;margin-top:0;text-indent:0;text-shadow:none;text-transform:none}.rds-Text_2 sub,.rds-Text_2 sup{font-size:.875em;line-height:0}.rds-Text_2 sup{top:auto;vertical-align:super}.rds-Text_2 sub{bottom:auto;vertical-align:sub}.rds-Text--bodyXSmall_2{font-size:14px}.rds-Text--bodySmall_2{font-size:16px}.rds-Text--bodyLarge_2{font-size:20px}.rds-Text--subtitle_2{font-size:24px}@media screen and (min-width:37.5em){.rds-Text--subtitle_2{font-size:28px}}.rds-Text--subdued_2{color:#495257}.rds-Text_2 a{color:#0073b9;text-decoration:underline}.rds-Text_2 a:hover{color:#005b98}.rds-Text_2.on-darkCanvas,.rds-Text_2.on-darkCanvas a,.rds-Text_2.on-darkCanvas a:hover{color:#fff}.rds-Text_2 em,.rds-Text_2 i,em.rds-Text_2,i.rds-Text_2{font-style:italic}.rds-Text_2 b,.rds-Text_2 strong,b.rds-Text_2,strong.rds-Text_2{font-weight:600}      </style>

    







  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Get a Plan for Your Money</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >


      <style>
.rds-Link_toolkit{background-color:transparent;border:0;color:#0073b9;cursor:pointer;display:inline-block;flex-shrink:0;font-family:canada-type-gibson,Arial,sans-serif;font-size:16px;font-style:normal;font-weight:400;letter-spacing:normal;line-height:1.5;outline:none;padding:0;text-decoration:none;text-indent:0;text-shadow:none;text-transform:none;word-break:break-word}.rds-Link_toolkit sub,.rds-Link_toolkit sup{font-size:.875em;line-height:0}.rds-Link_toolkit sup{top:auto;vertical-align:super}.rds-Link_toolkit sub{bottom:auto;vertical-align:sub}.rds-Link_toolkit:active:not([disabled]),.rds-Link_toolkit:focus:not([disabled]),.rds-Link_toolkit:hover:not([disabled]){text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:.25em}.rds-Link_toolkit.on-darkCanvas{color:#fff}.rds-Link--inheritColor_toolkit,.rds-Link--inheritColor_toolkit.on-darkCanvas{color:inherit}.rds-Link--large_toolkit{font-size:18px}.rds-Link--small_toolkit{font-size:14px}.rds-Link-icon_toolkit{height:1em;position:relative;top:.1666666667em;width:1em}.rds-Link-icon--left_toolkit{margin-right:4px}.rds-Link-icon--right_toolkit{margin-left:4px}.rds-Link_toolkit[disabled]{cursor:not-allowed!important}.rds-Link_toolkit.is-disabled,.rds-Link_toolkit[disabled]{opacity:.4!important;-webkit-user-select:none!important;-ms-user-select:none!important;user-select:none!important}a.rds-Link_toolkit.is-disabled{pointer-events:none!important}.rds-Link-icon_toolkit{display:inline-block;vertical-align:baseline}      </style>

    










  <a id="money.the-7-baby-steps"href="https://www.ramseysolutions.com/dave-ramsey-7-baby-steps"class="rds-Link_toolkit ">    The 7 Baby Steps
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.everydollar-budget-app"href="https://www.ramseysolutions.com/money/everydollar"class="rds-Link_toolkit ">    EveryDollar Budget App
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.financial-peace-university"href="https://www.ramseysolutions.com/money/financial-peace"class="rds-Link_toolkit ">    Financial Peace University
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.talk-to-a-coach"href="https://www.ramseysolutions.com/money/everydollar/features#coaching"class="rds-Link_toolkit ">    Talk to a Coach
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Getting Started</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.get-started-assessment"href="https://www.ramseysolutions.com/get-started"class="rds-Link_toolkit ">    Get Started Assessment
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.get-out-of-debt"href="https://www.ramseysolutions.com/debt/debt-101"class="rds-Link_toolkit ">    Get Out of Debt
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Articles &amp; Guides</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.debt-articles"href="https://www.ramseysolutions.com/debt"class="rds-Link_toolkit ">    Debt Articles
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.savings-articles"href="https://www.ramseysolutions.com/saving"class="rds-Link_toolkit ">    Savings Articles
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.budgeting-articles"href="https://www.ramseysolutions.com/budgeting"class="rds-Link_toolkit ">    Budgeting Articles
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.see-all-money-resources"href="https://www.ramseysolutions.com/money"class="rds-Link_toolkit ">    See All Money Resources
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Tools</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.debt-snowball-calculator"href="https://www.ramseysolutions.com/debt/debt-calculator"class="rds-Link_toolkit ">    Debt Snowball Calculator
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.budget-calculator"href="https://www.ramseysolutions.com/budgeting/budget-calculator"class="rds-Link_toolkit ">    Budget Calculator
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Events</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.the-ramsey-show-live"href="https://www.ramseysolutions.com/events/the-ramsey-show-live"class="rds-Link_toolkit ">    The Ramsey Show LIVE
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.live-like-no-one-else-cruise"href="https://www.ramseysolutions.com/events/live-like-no-one-else-cruise"class="rds-Link_toolkit ">    Live Like No One Else Cruise
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.free-live-budgeting-training"href="https://www.ramseysolutions.com/money/everydollar/intro-to-everydollar"class="rds-Link_toolkit ">    Free Live Budgeting Training
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.see-all-events"href="https://www.ramseysolutions.com/events"class="rds-Link_toolkit ">    See All Events
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>For Students</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.ramsey-education-curriculum"href="https://www.ramseysolutions.com/education"class="rds-Link_toolkit ">    Ramsey Education Curriculum
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.college-savings-calculator"href="https://www.ramseysolutions.com/saving/college-savings-calculator"class="rds-Link_toolkit ">    College Savings Calculator
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <strong>Taxes</strong>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.tax-services"href="https://www.ramseysolutions.com/taxes"class="rds-Link_toolkit ">    Tax Services
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.tax-guide"href="https://www.ramseysolutions.com/taxes/tax-guide"class="rds-Link_toolkit ">    Tax Guide
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="money.tax-pro-or-self-file-quiz"href="https://www.ramseysolutions.com/taxes/tax-quiz"class="rds-Link_toolkit ">    Tax Pro or Self-File? Quiz
</a>
</li>
    </ul>

  </div>
   </div>
  <hr class="rds-Divider rds-Divider--spacingXl">

   <div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >
















  <a id="money.see-more-on-money"href="https://www.ramseysolutions.com/money"class="rds-Link_toolkit ">    See More on Money
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >
















  <a id="money.for-tax-professionals"href="https://www.ramseysolutions.com/taxes/tax-pro"class="rds-Link_toolkit ">    For Tax Professionals
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
    </ul>

  </div>
   </div>
</div>
          </li>
        </ul>
      </div>
    </div>
  </li>

    
    





  <li
    class="rs-SubmenuMobile "
    data-rs-parent-menu
    data-rs-submenu-investing-and-retirement
    data-rs-child-visibility-toggle="investing-and-retirement"
  >
    <div class="rs-SubmenuMobile-title" data-rs-submenu="investing-and-retirement" data-rs-child-visibility-toggle="investing-and-retirement">
      Investing &amp; Retirement
    </div>














  <button data-rs-child-visibility-toggle="investing-and-retirement"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-expandContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-right" />
</svg></button>

    <div class="rs-Submenu-container" data-rs-child-menu="investing-and-retirement" data-rs-analytics-element-visibility="mobile-investing-and-retirement">
      <div class="rs-Submenu-innerContainer">
        <div class="rs-Submenu-containerHeader">














  <button data-rs-child-visibility-toggle="investing-and-retirement"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-closeContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-left" />
</svg></button>
          <span class="rs-Submenu-containerTitle">Investing &amp; Retirement</span>
        </div>
        <ul class="rs-MenuItemMobile">
          <li class="rs-MenuItem">
<div class="rs-SubmenuTwo">
  
  


      <style>
.rds-Grid_toolkit{display:grid;gap:16px;grid-template-columns:repeat(12,1fr)}@media screen and (min-width:37.5em){.rds-Grid_toolkit{gap:24px}}@media screen and (min-width:75em){.rds-Grid_toolkit{gap:32px}.rds-Grid--gapLarge_toolkit{gap:48px}}.rds-Grid-item_toolkit{grid-column-end:span 12}.rds-Grid-item--start1_toolkit{grid-column-end:-1;grid-column-start:1}.rds-Grid-item--start2_toolkit{grid-column-end:-1;grid-column-start:2}.rds-Grid-item--start3_toolkit{grid-column-end:-1;grid-column-start:3}.rds-Grid-item--start4_toolkit{grid-column-end:-1;grid-column-start:4}.rds-Grid-item--start5_toolkit{grid-column-end:-1;grid-column-start:5}.rds-Grid-item--start6_toolkit{grid-column-end:-1;grid-column-start:6}.rds-Grid-item--start7_toolkit{grid-column-end:-1;grid-column-start:7}.rds-Grid-item--start8_toolkit{grid-column-end:-1;grid-column-start:8}.rds-Grid-item--start9_toolkit{grid-column-end:-1;grid-column-start:9}.rds-Grid-item--start10_toolkit{grid-column-end:-1;grid-column-start:10}.rds-Grid-item--start11_toolkit{grid-column-end:-1;grid-column-start:11}.rds-Grid-item--start12_toolkit{grid-column-end:-1;grid-column-start:12}.rds-Grid-item--span1_toolkit{grid-column-end:span 1}.rds-Grid-item--span2_toolkit{grid-column-end:span 2}.rds-Grid-item--span3_toolkit{grid-column-end:span 3}.rds-Grid-item--span4_toolkit{grid-column-end:span 4}.rds-Grid-item--span5_toolkit{grid-column-end:span 5}.rds-Grid-item--span6_toolkit{grid-column-end:span 6}.rds-Grid-item--span7_toolkit{grid-column-end:span 7}.rds-Grid-item--span8_toolkit{grid-column-end:span 8}.rds-Grid-item--span9_toolkit{grid-column-end:span 9}.rds-Grid-item--span10_toolkit{grid-column-end:span 10}.rds-Grid-item--span11_toolkit{grid-column-end:span 11}.rds-Grid-item--span12_toolkit{grid-column-end:span 12}.rds-Grid-item--orderStart_toolkit{order:-1}.rds-Grid-item--orderEnd_toolkit{order:1}.rds-Grid-item--orderReset_toolkit{order:0}@media screen and (min-width:37.5em){.rds-Grid-item--start1\@sm_toolkit{grid-column-end:-1;grid-column-start:1}.rds-Grid-item--start2\@sm_toolkit{grid-column-end:-1;grid-column-start:2}.rds-Grid-item--start3\@sm_toolkit{grid-column-end:-1;grid-column-start:3}.rds-Grid-item--start4\@sm_toolkit{grid-column-end:-1;grid-column-start:4}.rds-Grid-item--start5\@sm_toolkit{grid-column-end:-1;grid-column-start:5}.rds-Grid-item--start6\@sm_toolkit{grid-column-end:-1;grid-column-start:6}.rds-Grid-item--start7\@sm_toolkit{grid-column-end:-1;grid-column-start:7}.rds-Grid-item--start8\@sm_toolkit{grid-column-end:-1;grid-column-start:8}.rds-Grid-item--start9\@sm_toolkit{grid-column-end:-1;grid-column-start:9}.rds-Grid-item--start10\@sm_toolkit{grid-column-end:-1;grid-column-start:10}.rds-Grid-item--start11\@sm_toolkit{grid-column-end:-1;grid-column-start:11}.rds-Grid-item--start12\@sm_toolkit{grid-column-end:-1;grid-column-start:12}.rds-Grid-item--span1\@sm_toolkit{grid-column-end:span 1}.rds-Grid-item--span2\@sm_toolkit{grid-column-end:span 2}.rds-Grid-item--span3\@sm_toolkit{grid-column-end:span 3}.rds-Grid-item--span4\@sm_toolkit{grid-column-end:span 4}.rds-Grid-item--span5\@sm_toolkit{grid-column-end:span 5}.rds-Grid-item--span6\@sm_toolkit{grid-column-end:span 6}.rds-Grid-item--span7\@sm_toolkit{grid-column-end:span 7}.rds-Grid-item--span8\@sm_toolkit{grid-column-end:span 8}.rds-Grid-item--span9\@sm_toolkit{grid-column-end:span 9}.rds-Grid-item--span10\@sm_toolkit{grid-column-end:span 10}.rds-Grid-item--span11\@sm_toolkit{grid-column-end:span 11}.rds-Grid-item--span12\@sm_toolkit{grid-column-end:span 12}.rds-Grid-item--orderStart\@sm_toolkit{order:-1}.rds-Grid-item--orderEnd\@sm_toolkit{order:1}.rds-Grid-item--orderReset\@sm_toolkit{order:0}}@media screen and (min-width:56.25em){.rds-Grid-item--start1\@md_toolkit{grid-column-end:-1;grid-column-start:1}.rds-Grid-item--start2\@md_toolkit{grid-column-end:-1;grid-column-start:2}.rds-Grid-item--start3\@md_toolkit{grid-column-end:-1;grid-column-start:3}.rds-Grid-item--start4\@md_toolkit{grid-column-end:-1;grid-column-start:4}.rds-Grid-item--start5\@md_toolkit{grid-column-end:-1;grid-column-start:5}.rds-Grid-item--start6\@md_toolkit{grid-column-end:-1;grid-column-start:6}.rds-Grid-item--start7\@md_toolkit{grid-column-end:-1;grid-column-start:7}.rds-Grid-item--start8\@md_toolkit{grid-column-end:-1;grid-column-start:8}.rds-Grid-item--start9\@md_toolkit{grid-column-end:-1;grid-column-start:9}.rds-Grid-item--start10\@md_toolkit{grid-column-end:-1;grid-column-start:10}.rds-Grid-item--start11\@md_toolkit{grid-column-end:-1;grid-column-start:11}.rds-Grid-item--start12\@md_toolkit{grid-column-end:-1;grid-column-start:12}.rds-Grid-item--span1\@md_toolkit{grid-column-end:span 1}.rds-Grid-item--span2\@md_toolkit{grid-column-end:span 2}.rds-Grid-item--span3\@md_toolkit{grid-column-end:span 3}.rds-Grid-item--span4\@md_toolkit{grid-column-end:span 4}.rds-Grid-item--span5\@md_toolkit{grid-column-end:span 5}.rds-Grid-item--span6\@md_toolkit{grid-column-end:span 6}.rds-Grid-item--span7\@md_toolkit{grid-column-end:span 7}.rds-Grid-item--span8\@md_toolkit{grid-column-end:span 8}.rds-Grid-item--span9\@md_toolkit{grid-column-end:span 9}.rds-Grid-item--span10\@md_toolkit{grid-column-end:span 10}.rds-Grid-item--span11\@md_toolkit{grid-column-end:span 11}.rds-Grid-item--span12\@md_toolkit{grid-column-end:span 12}.rds-Grid-item--orderStart\@md_toolkit{order:-1}.rds-Grid-item--orderEnd\@md_toolkit{order:1}.rds-Grid-item--orderReset\@md_toolkit{order:0}}@media screen and (min-width:75em){.rds-Grid-item--start1\@lg_toolkit{grid-column-end:-1;grid-column-start:1}.rds-Grid-item--start2\@lg_toolkit{grid-column-end:-1;grid-column-start:2}.rds-Grid-item--start3\@lg_toolkit{grid-column-end:-1;grid-column-start:3}.rds-Grid-item--start4\@lg_toolkit{grid-column-end:-1;grid-column-start:4}.rds-Grid-item--start5\@lg_toolkit{grid-column-end:-1;grid-column-start:5}.rds-Grid-item--start6\@lg_toolkit{grid-column-end:-1;grid-column-start:6}.rds-Grid-item--start7\@lg_toolkit{grid-column-end:-1;grid-column-start:7}.rds-Grid-item--start8\@lg_toolkit{grid-column-end:-1;grid-column-start:8}.rds-Grid-item--start9\@lg_toolkit{grid-column-end:-1;grid-column-start:9}.rds-Grid-item--start10\@lg_toolkit{grid-column-end:-1;grid-column-start:10}.rds-Grid-item--start11\@lg_toolkit{grid-column-end:-1;grid-column-start:11}.rds-Grid-item--start12\@lg_toolkit{grid-column-end:-1;grid-column-start:12}.rds-Grid-item--span1\@lg_toolkit{grid-column-end:span 1}.rds-Grid-item--span2\@lg_toolkit{grid-column-end:span 2}.rds-Grid-item--span3\@lg_toolkit{grid-column-end:span 3}.rds-Grid-item--span4\@lg_toolkit{grid-column-end:span 4}.rds-Grid-item--span5\@lg_toolkit{grid-column-end:span 5}.rds-Grid-item--span6\@lg_toolkit{grid-column-end:span 6}.rds-Grid-item--span7\@lg_toolkit{grid-column-end:span 7}.rds-Grid-item--span8\@lg_toolkit{grid-column-end:span 8}.rds-Grid-item--span9\@lg_toolkit{grid-column-end:span 9}.rds-Grid-item--span10\@lg_toolkit{grid-column-end:span 10}.rds-Grid-item--span11\@lg_toolkit{grid-column-end:span 11}.rds-Grid-item--span12\@lg_toolkit{grid-column-end:span 12}.rds-Grid-item--orderStart\@lg_toolkit{order:-1}.rds-Grid-item--orderEnd\@lg_toolkit{order:1}.rds-Grid-item--orderReset\@lg_toolkit{order:0}}@media screen and (min-width:93.75em){.rds-Grid-item--start1\@xl_toolkit{grid-column-end:-1;grid-column-start:1}.rds-Grid-item--start2\@xl_toolkit{grid-column-end:-1;grid-column-start:2}.rds-Grid-item--start3\@xl_toolkit{grid-column-end:-1;grid-column-start:3}.rds-Grid-item--start4\@xl_toolkit{grid-column-end:-1;grid-column-start:4}.rds-Grid-item--start5\@xl_toolkit{grid-column-end:-1;grid-column-start:5}.rds-Grid-item--start6\@xl_toolkit{grid-column-end:-1;grid-column-start:6}.rds-Grid-item--start7\@xl_toolkit{grid-column-end:-1;grid-column-start:7}.rds-Grid-item--start8\@xl_toolkit{grid-column-end:-1;grid-column-start:8}.rds-Grid-item--start9\@xl_toolkit{grid-column-end:-1;grid-column-start:9}.rds-Grid-item--start10\@xl_toolkit{grid-column-end:-1;grid-column-start:10}.rds-Grid-item--start11\@xl_toolkit{grid-column-end:-1;grid-column-start:11}.rds-Grid-item--start12\@xl_toolkit{grid-column-end:-1;grid-column-start:12}.rds-Grid-item--span1\@xl_toolkit{grid-column-end:span 1}.rds-Grid-item--span2\@xl_toolkit{grid-column-end:span 2}.rds-Grid-item--span3\@xl_toolkit{grid-column-end:span 3}.rds-Grid-item--span4\@xl_toolkit{grid-column-end:span 4}.rds-Grid-item--span5\@xl_toolkit{grid-column-end:span 5}.rds-Grid-item--span6\@xl_toolkit{grid-column-end:span 6}.rds-Grid-item--span7\@xl_toolkit{grid-column-end:span 7}.rds-Grid-item--span8\@xl_toolkit{grid-column-end:span 8}.rds-Grid-item--span9\@xl_toolkit{grid-column-end:span 9}.rds-Grid-item--span10\@xl_toolkit{grid-column-end:span 10}.rds-Grid-item--span11\@xl_toolkit{grid-column-end:span 11}.rds-Grid-item--span12\@xl_toolkit{grid-column-end:span 12}.rds-Grid-item--orderStart\@xl_toolkit{order:-1}.rds-Grid-item--orderEnd\@xl_toolkit{order:1}.rds-Grid-item--orderReset\@xl_toolkit{order:0}}@media screen and (min-width:112.5em){.rds-Grid-item--start1\@2xl_toolkit{grid-column-end:-1;grid-column-start:1}.rds-Grid-item--start2\@2xl_toolkit{grid-column-end:-1;grid-column-start:2}.rds-Grid-item--start3\@2xl_toolkit{grid-column-end:-1;grid-column-start:3}.rds-Grid-item--start4\@2xl_toolkit{grid-column-end:-1;grid-column-start:4}.rds-Grid-item--start5\@2xl_toolkit{grid-column-end:-1;grid-column-start:5}.rds-Grid-item--start6\@2xl_toolkit{grid-column-end:-1;grid-column-start:6}.rds-Grid-item--start7\@2xl_toolkit{grid-column-end:-1;grid-column-start:7}.rds-Grid-item--start8\@2xl_toolkit{grid-column-end:-1;grid-column-start:8}.rds-Grid-item--start9\@2xl_toolkit{grid-column-end:-1;grid-column-start:9}.rds-Grid-item--start10\@2xl_toolkit{grid-column-end:-1;grid-column-start:10}.rds-Grid-item--start11\@2xl_toolkit{grid-column-end:-1;grid-column-start:11}.rds-Grid-item--start12\@2xl_toolkit{grid-column-end:-1;grid-column-start:12}.rds-Grid-item--span1\@2xl_toolkit{grid-column-end:span 1}.rds-Grid-item--span2\@2xl_toolkit{grid-column-end:span 2}.rds-Grid-item--span3\@2xl_toolkit{grid-column-end:span 3}.rds-Grid-item--span4\@2xl_toolkit{grid-column-end:span 4}.rds-Grid-item--span5\@2xl_toolkit{grid-column-end:span 5}.rds-Grid-item--span6\@2xl_toolkit{grid-column-end:span 6}.rds-Grid-item--span7\@2xl_toolkit{grid-column-end:span 7}.rds-Grid-item--span8\@2xl_toolkit{grid-column-end:span 8}.rds-Grid-item--span9\@2xl_toolkit{grid-column-end:span 9}.rds-Grid-item--span10\@2xl_toolkit{grid-column-end:span 10}.rds-Grid-item--span11\@2xl_toolkit{grid-column-end:span 11}.rds-Grid-item--span12\@2xl_toolkit{grid-column-end:span 12}.rds-Grid-item--orderStart\@2xl_toolkit{order:-1}.rds-Grid-item--orderEnd\@2xl_toolkit{order:1}.rds-Grid-item--orderReset\@2xl_toolkit{order:0}}      </style>

    






  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoBody"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >




      <style>
.rds-Stack_toolkit{align-items:center;display:flex;flex-wrap:wrap;gap:16px;justify-content:flex-start}.rds-Stack--2xsSpacing_toolkit{gap:2px}.rds-Stack--xsSpacing_toolkit{gap:4px}.rds-Stack--smSpacing_toolkit{gap:8px}.rds-Stack--lgSpacing_toolkit{gap:24px}.rds-Stack--xlSpacing_toolkit{gap:32px}.rds-Stack--2xlSpacing_toolkit{gap:48px}.rds-Stack--topVerticalAlignment_toolkit{align-items:flex-start}.rds-Stack--bottomVerticalAlignment_toolkit{align-items:flex-end}.rds-Stack--fillVerticalAlignment_toolkit:not(.rds-Stack--vertical_toolkit){align-items:stretch}.rds-Stack--centerHorizontalAlignment_toolkit{justify-content:center}.rds-Stack--rightHorizontalAlignment_toolkit{justify-content:flex-end}.rds-Stack--fillHorizontalAlignment_toolkit:not(.rds-Stack--vertical_toolkit)>*{flex-grow:1}.rds-Stack--vertical_toolkit{align-items:flex-start;flex-direction:column;justify-content:center}.rds-Stack--vertical_toolkit.rds-Stack--topVerticalAlignment_toolkit{justify-content:flex-start}.rds-Stack--vertical_toolkit.rds-Stack--bottomVerticalAlignment_toolkit{justify-content:flex-end}.rds-Stack--vertical_toolkit.rds-Stack--fillVerticalAlignment_toolkit>*{flex-grow:1}.rds-Stack--vertical_toolkit.rds-Stack--centerHorizontalAlignment_toolkit{align-items:center}.rds-Stack--vertical_toolkit.rds-Stack--rightHorizontalAlignment_toolkit{align-items:flex-end}.rds-Stack--vertical_toolkit.rds-Stack--fillHorizontalAlignment_toolkit{align-items:stretch}.rds-Stack--noWrap_toolkit{flex-wrap:nowrap}      </style>

    









  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">


      <style>
.rds-Text_2{color:#1f2426;font-family:canada-type-gibson,Arial,sans-serif;font-size:18px;font-weight:400;letter-spacing:0;line-height:1.25;margin-bottom:0;margin-top:0;text-indent:0;text-shadow:none;text-transform:none}.rds-Text_2 sub,.rds-Text_2 sup{font-size:.875em;line-height:0}.rds-Text_2 sup{top:auto;vertical-align:super}.rds-Text_2 sub{bottom:auto;vertical-align:sub}.rds-Text--bodyXSmall_2{font-size:14px}.rds-Text--bodySmall_2{font-size:16px}.rds-Text--bodyLarge_2{font-size:20px}.rds-Text--subtitle_2{font-size:24px}@media screen and (min-width:37.5em){.rds-Text--subtitle_2{font-size:28px}}.rds-Text--subdued_2{color:#495257}.rds-Text_2 a{color:#0073b9;text-decoration:underline}.rds-Text_2 a:hover{color:#005b98}.rds-Text_2.on-darkCanvas,.rds-Text_2.on-darkCanvas a,.rds-Text_2.on-darkCanvas a:hover{color:#fff}.rds-Text_2 em,.rds-Text_2 i,em.rds-Text_2,i.rds-Text_2{font-style:italic}.rds-Text_2 b,.rds-Text_2 strong,b.rds-Text_2,strong.rds-Text_2{font-weight:600}      </style>

    







  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <strong>Retirement &amp; Investing</strong>
  </p>
</li>
        <li class="">


      <style>
.rds-Link_toolkit{background-color:transparent;border:0;color:#0073b9;cursor:pointer;display:inline-block;flex-shrink:0;font-family:canada-type-gibson,Arial,sans-serif;font-size:16px;font-style:normal;font-weight:400;letter-spacing:normal;line-height:1.5;outline:none;padding:0;text-decoration:none;text-indent:0;text-shadow:none;text-transform:none;word-break:break-word}.rds-Link_toolkit sub,.rds-Link_toolkit sup{font-size:.875em;line-height:0}.rds-Link_toolkit sup{top:auto;vertical-align:super}.rds-Link_toolkit sub{bottom:auto;vertical-align:sub}.rds-Link_toolkit:active:not([disabled]),.rds-Link_toolkit:focus:not([disabled]),.rds-Link_toolkit:hover:not([disabled]){text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:.25em}.rds-Link_toolkit.on-darkCanvas{color:#fff}.rds-Link--inheritColor_toolkit,.rds-Link--inheritColor_toolkit.on-darkCanvas{color:inherit}.rds-Link--large_toolkit{font-size:18px}.rds-Link--small_toolkit{font-size:14px}.rds-Link-icon_toolkit{height:1em;position:relative;top:.1666666667em;width:1em}.rds-Link-icon--left_toolkit{margin-right:4px}.rds-Link-icon--right_toolkit{margin-left:4px}.rds-Link_toolkit[disabled]{cursor:not-allowed!important}.rds-Link_toolkit.is-disabled,.rds-Link_toolkit[disabled]{opacity:.4!important;-webkit-user-select:none!important;-ms-user-select:none!important;user-select:none!important}a.rds-Link_toolkit.is-disabled{pointer-events:none!important}.rds-Link-icon_toolkit{display:inline-block;vertical-align:baseline}      </style>

    










  <a id="investing-and-retirement.smartvestor-pros"href="https://www.ramseysolutions.com/retirement/smartvestor"class="rds-Link_toolkit ">    SmartVestor Pros
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.will-and-power-of-attorney"href="https://www.ramseysolutions.com/retirement/will"class="rds-Link_toolkit ">    Will &amp; Power of Attorney
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.financial-advisors-101"href="https://www.ramseysolutions.com/retirement/financial-advisors"class="rds-Link_toolkit ">    Financial Advisors 101
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.estate-planning"href="https://www.ramseysolutions.com/retirement/estate-planning"class="rds-Link_toolkit ">    Estate Planning
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Articles &amp; Guides</b>
  </p>
</li>
        <li class="">












  <a id="investing-and-retirement.retirement-resources"href="https://www.ramseysolutions.com/retirement/retirement-resources"class="rds-Link_toolkit ">    Retirement Resources
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.retirement-articles"href="https://www.ramseysolutions.com/retirement#articles"class="rds-Link_toolkit ">    Retirement Articles
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.investing-resources"href="https://www.ramseysolutions.com/retirement/investing-resources"class="rds-Link_toolkit ">    Investing Resources
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.investing-guide"href="https://www.ramseysolutions.com/retirement/ramsey-investing-guide"class="rds-Link_toolkit ">    Investing Guide
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.estate-planning-guide"href="https://www.ramseysolutions.com/retirement/estate-planning-guide"class="rds-Link_toolkit ">    Estate Planning Guide
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Tools</b>
  </p>
</li>
        <li class="">












  <a id="investing-and-retirement.investment-calculator"href="https://www.ramseysolutions.com/retirement/investment-calculator"class="rds-Link_toolkit ">    Investment Calculator
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.net-worth-calculator"href="https://www.ramseysolutions.com/retirement/net-worth-calculator"class="rds-Link_toolkit ">    Net Worth Calculator
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.retirement-calculator"href="https://www.ramseysolutions.com/retirement/retirement-calculator"class="rds-Link_toolkit ">    Retirement Calculator
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.compound-interest-calculator"href="https://www.ramseysolutions.com/retirement/compound-interest-calculator"class="rds-Link_toolkit ">    Compound Interest Calculator
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.financial-advisor-quiz"href="https://www.ramseysolutions.com/retirement/financial-advisors-quiz"class="rds-Link_toolkit ">    Am I Ready for an Advisor? Quiz
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">












  <a id="investing-and-retirement.retirement-assessment-riq"href="https://www.ramseysolutions.com/retirement/riq"class="rds-Link_toolkit ">    Retirement Assessment (R:IQ)
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.online-will-vs-lawyer-quiz"href="https://www.ramseysolutions.com/retirement/will/online-will-vs-lawyer-quiz"class="rds-Link_toolkit ">    Online Will vs. Lawyer? Quiz
</a>
</li>
  </ul>

  </div>
  </div>
  
  <hr class="rds-Divider rds-Divider--spacingXl">

  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoFooter"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">
















  <a id="investing-and-retirement.see-more-on-investing"href="https://www.ramseysolutions.com/retirement"class="rds-Link_toolkit ">    See More on Investing
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">
















  <a id="investing-and-retirement.for-financial-advisors"href="https://www.ramseysolutions.com/retirement/investing-pro"class="rds-Link_toolkit ">    For Financial Advisors
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
  </ul>

  </div>
  </div>
  
</div>
          </li>
        </ul>
      </div>
    </div>
  </li>

    
    





  <li
    class="rs-SubmenuMobile "
    data-rs-parent-menu
    data-rs-submenu-real-estate
    data-rs-child-visibility-toggle="real-estate"
  >
    <div class="rs-SubmenuMobile-title" data-rs-submenu="real-estate" data-rs-child-visibility-toggle="real-estate">
      Real Estate
    </div>














  <button data-rs-child-visibility-toggle="real-estate"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-expandContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-right" />
</svg></button>

    <div class="rs-Submenu-container" data-rs-child-menu="real-estate" data-rs-analytics-element-visibility="mobile-real-estate">
      <div class="rs-Submenu-innerContainer">
        <div class="rs-Submenu-containerHeader">














  <button data-rs-child-visibility-toggle="real-estate"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-closeContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-left" />
</svg></button>
          <span class="rs-Submenu-containerTitle">Real Estate</span>
        </div>
        <ul class="rs-MenuItemMobile">
          <li class="rs-MenuItem">
<div class="rs-SubmenuTwo">
  
   <div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Home Buying</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.buy-a-home-with-a-trusted-agent"href="https://www.ramseysolutions.com/real-estate/residential-real-estate"class="rds-Link_toolkit ">    Buy a Home With a Trusted Agent
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.browse-buyers-agent-profiles"href="https://www.ramseysolutions.com/real-estate/us"class="rds-Link_toolkit ">    Browse Buyer&#39;s Agent Profiles
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.mortgage-services"href="https://www.ramseysolutions.com/real-estate/mortgage"class="rds-Link_toolkit ">    Mortgage Services
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.home-buying-resources"href="https://www.ramseysolutions.com/real-estate/home-buying"class="rds-Link_toolkit ">    Home Buying Resources
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Home Selling</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.sell-a-home-with-a-trusted-agent"href="https://www.ramseysolutions.com/real-estate/residential-real-estate"class="rds-Link_toolkit ">    Sell a Home With a Trusted Agent
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.browse-sellers-agent-profiles"href="https://www.ramseysolutions.com/real-estate/us"class="rds-Link_toolkit ">    Browse Seller&#39;s Agent Profiles
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.home-selling-resources"href="https://www.ramseysolutions.com/real-estate/home-selling"class="rds-Link_toolkit ">    Home Selling Resources
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Resources</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.all-real-estate-resources"href="https://www.ramseysolutions.com/real-estate"class="rds-Link_toolkit ">    All Real Estate Resources
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.us-housing-market-trends"href="https://www.ramseysolutions.com/real-estate/market-trends"class="rds-Link_toolkit ">    U.S. Housing Market Trends
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.real-estate-investing"href="https://www.ramseysolutions.com/real-estate/investing"class="rds-Link_toolkit ">    Real Estate Investing
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.saving-for-a-down-payment-guide"href="https://www.ramseysolutions.com/real-estate/saving-for-down-payment-guide"class="rds-Link_toolkit ">    Saving for a Down Payment Guide
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.renter-resources"href="https://www.ramseysolutions.com/real-estate/renting"class="rds-Link_toolkit ">    Renter Resources
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.real-estate-the-ramsey-way-show"href="https://www.ramseysolutions.com/shows/real-estate-the-ramsey-way"class="rds-Link_toolkit ">    Real Estate the Ramsey Way Show
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Tools</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.mortgage-calculator"href="https://www.ramseysolutions.com/real-estate/mortgage-calculator"class="rds-Link_toolkit ">    Mortgage Calculator
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.mortgage-payoff-calculator"href="https://www.ramseysolutions.com/real-estate/mortgage-payoff-calculator"class="rds-Link_toolkit ">    Mortgage Payoff Calculator
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.cost-of-living-calculator"href="https://www.ramseysolutions.com/real-estate/cost-of-living-calculator"class="rds-Link_toolkit ">    Cost of Living Calculator
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="real-estate.am-i-ready-to-buy-or-sell-quiz"href="https://www.ramseysolutions.com/real-estate/am-i-ready-to-buy-or-sell"class="rds-Link_toolkit ">    Am I Ready to Buy or Sell? Quiz
</a>
</li>
    </ul>

  </div>
   </div>
  <hr class="rds-Divider rds-Divider--spacingXl">

   <div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >
















  <a id="real-estate.see-more-on-real-estate"href="https://www.ramseysolutions.com/real-estate"class="rds-Link_toolkit ">    See More on Real Estate
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >
















  <a id="real-estate.for-real-estate-agents"href="https://www.ramseysolutions.com/real-estate/real-estate-pro"class="rds-Link_toolkit ">    For Real Estate Agents
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
    </ul>

  </div>
   </div>
</div>
          </li>
        </ul>
      </div>
    </div>
  </li>

    
    





  <li
    class="rs-SubmenuMobile "
    data-rs-parent-menu
    data-rs-submenu-insurance
    data-rs-child-visibility-toggle="insurance"
  >
    <div class="rs-SubmenuMobile-title" data-rs-submenu="insurance" data-rs-child-visibility-toggle="insurance">
      Insurance
    </div>














  <button data-rs-child-visibility-toggle="insurance"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-expandContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-right" />
</svg></button>

    <div class="rs-Submenu-container" data-rs-child-menu="insurance" data-rs-analytics-element-visibility="mobile-insurance">
      <div class="rs-Submenu-innerContainer">
        <div class="rs-Submenu-containerHeader">














  <button data-rs-child-visibility-toggle="insurance"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-closeContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-left" />
</svg></button>
          <span class="rs-Submenu-containerTitle">Insurance</span>
        </div>
        <ul class="rs-MenuItemMobile">
          <li class="rs-MenuItem">
<div class="rs-SubmenuTwo">
  
   <div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <strong>Insurance &amp; Protection</strong>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="insurance.home-and-car-insurance-agents"href="https://www.ramseysolutions.com/insurance/home-and-auto-insurance"class="rds-Link_toolkit ">    Home &amp; Car Insurance Agents
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="insurance.term-life-insurance"href="https://www.ramseysolutions.com/insurance/life-insurance"class="rds-Link_toolkit ">    Life Insurance
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="insurance.id-theft-protection"href="https://www.ramseysolutions.com/insurance/id-theft-protection"class="rds-Link_toolkit ">    ID Theft Protection
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="insurance.long-term-care-insurance"href="https://www.ramseysolutions.com/insurance/long-term-care-insurance"class="rds-Link_toolkit ">    Long-Term Care Insurance
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >
















  <a id="insurance.disability-insurance-with-zander"target="_blank"href="https://www.zanderins.com/disability-insurance/quotes"class="rds-Link_toolkit ">    Disability Insurance With Zander
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-link-external" />
</svg></a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="insurance.business-insurance"href="https://www.ramseysolutions.com/insurance/business-insurance"class="rds-Link_toolkit ">    Business Insurance
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="insurance.umbrella-insurance"href="https://www.ramseysolutions.com/insurance/umbrella-insurance"class="rds-Link_toolkit ">    Umbrella Insurance
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="insurance.get-the-right-coverage"href="https://www.ramseysolutions.com/insurance"class="rds-Link_toolkit ">    Get the Right Coverage
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Articles &amp; Guides</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="insurance.insurance-articles"href="https://www.ramseysolutions.com/insurance#insurance-articles"class="rds-Link_toolkit ">    Insurance Articles
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="insurance.ramsey-car-guide"href="https://www.ramseysolutions.com/insurance/car-guide"class="rds-Link_toolkit ">    Ramsey Car Guide
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Tools</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="insurance.insurance-coverage-checkup"href="https://www.ramseysolutions.com/insurance/coverage-checkup"class="rds-Link_toolkit ">    Insurance Coverage Checkup
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="insurance.term-life-insurance-calculator"href="https://www.ramseysolutions.com/insurance/term-life-insurance-calculator"class="rds-Link_toolkit ">    Term Life Insurance Calculator
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="insurance.idt-risk-assessment"href="https://www.ramseysolutions.com/insurance/id-theft-protection/risk-assessment-tool"class="rds-Link_toolkit ">    Identity Theft Risk Assessment
</a>
</li>
    </ul>

  </div>
   </div>
  <hr class="rds-Divider rds-Divider--spacingXl">

   <div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >
















  <a id="insurance.see-more-on-insurance"href="https://www.ramseysolutions.com/insurance"class="rds-Link_toolkit ">    See More on Insurance
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >
















  <a id="insurance.for-p-c-agents"href="https://www.ramseysolutions.com/insurance/property-casualty-pro"class="rds-Link_toolkit ">    For P&amp;C Agents
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
    </ul>

  </div>
   </div>
</div>
          </li>
        </ul>
      </div>
    </div>
  </li>

    
    





  <li
    class="rs-SubmenuMobile "
    data-rs-parent-menu
    data-rs-submenu-life-and-career
    data-rs-child-visibility-toggle="life-and-career"
  >
    <div class="rs-SubmenuMobile-title" data-rs-submenu="life-and-career" data-rs-child-visibility-toggle="life-and-career">
      Life &amp; Career
    </div>














  <button data-rs-child-visibility-toggle="life-and-career"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-expandContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-right" />
</svg></button>

    <div class="rs-Submenu-container" data-rs-child-menu="life-and-career" data-rs-analytics-element-visibility="mobile-life-and-career">
      <div class="rs-Submenu-innerContainer">
        <div class="rs-Submenu-containerHeader">














  <button data-rs-child-visibility-toggle="life-and-career"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-closeContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-left" />
</svg></button>
          <span class="rs-Submenu-containerTitle">Life &amp; Career</span>
        </div>
        <ul class="rs-MenuItemMobile">
          <li class="rs-MenuItem">
<div class="rs-SubmenuTwo">
  
   <div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <strong>Level Up Your Career</strong>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="life-and-career.career-books"href="https://store.ramseysolutions.com/business-and-career/books/"class="rds-Link_toolkit ">    Career Books
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="life-and-career.career-clarity-guide"href="https://www.ramseysolutions.com/career-advice/career-clarity-guide"class="rds-Link_toolkit ">    Career Clarity Guide
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="life-and-career.career-articles"href="https://www.ramseysolutions.com/career-advice#career-articles"class="rds-Link_toolkit ">    Career Articles
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="life-and-career.get-clear-career-assessment"href="https://store.ramseysolutions.com/business-and-career/assessments/get-clear-career-assessment-for-career-change/"class="rds-Link_toolkit ">    Get Clear Career Assessment
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="life-and-career.career-resources"href="https://www.ramseysolutions.com/career-advice"class="rds-Link_toolkit ">    Career Resources
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Personal Growth</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="life-and-career.personal-growth-books"href="https://store.ramseysolutions.com/personal-growth/books/"class="rds-Link_toolkit ">    Personal Growth Books
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="life-and-career.anxiety-test"href="https://www.ramseysolutions.com/personal-growth/anxiety-test"class="rds-Link_toolkit ">    Anxiety Test
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="life-and-career.personal-growth-articles"href="https://www.ramseysolutions.com/personal-growth#pg-articles"class="rds-Link_toolkit ">    Personal Growth Articles
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="life-and-career.the-contentment-journal"href="https://store.ramseysolutions.com/personal-growth/books/the-contentment-journal-by-rachel-cruze/"class="rds-Link_toolkit ">    The Contentment Journal
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="life-and-career.personal-growth-resources"href="https://www.ramseysolutions.com/personal-growth"class="rds-Link_toolkit ">    Personal Growth Resources
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Relationships</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="life-and-career.relationships-articles"href="https://www.ramseysolutions.com/relationships"class="rds-Link_toolkit ">    Relationships Resources
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="life-and-career.conversation-cards"href="https://store.ramseysolutions.com/personal-growth/conversation-cards/"class="rds-Link_toolkit ">    Conversation Cards
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="life-and-career.together-app"href="https://www.ramseysolutions.com/john-delony/the-together-app"class="rds-Link_toolkit ">    Together App
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Trending</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="life-and-career.the-dr-john-delony-show"href="https://www.ramseysolutions.com/shows/the-dr-john-delony-show"class="rds-Link_toolkit ">    The Dr. John Delony Show
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="life-and-career.money-and-marriage-getaway"href="https://www.ramseysolutions.com/events/money-and-marriage-getaway"class="rds-Link_toolkit ">    Money &amp; Marriage Getaway
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="life-and-career.whats-for-dinner-guide"href="https://www.ramseysolutions.com/budgeting/whats-for-dinner-guide"class="rds-Link_toolkit ">    What&#39;s for Dinner Guide
</a>
</li>
    </ul>

  </div>
   </div>
  <hr class="rds-Divider rds-Divider--spacingXl">

   <div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >
















  <a id="life-and-career.see-more-on-life-and-career"href="https://www.ramseysolutions.com/life-and-career"class="rds-Link_toolkit ">    See More on Life &amp; Career
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>
   </div>
</div>
          </li>
        </ul>
      </div>
    </div>
  </li>

    
    





  <li
    class="rs-SubmenuMobile "
    data-rs-parent-menu
    data-rs-submenu-shows
    data-rs-child-visibility-toggle="shows"
  >
    <div class="rs-SubmenuMobile-title" data-rs-submenu="shows" data-rs-child-visibility-toggle="shows">
      Shows
    </div>














  <button data-rs-child-visibility-toggle="shows"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-expandContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-right" />
</svg></button>

    <div class="rs-Submenu-container" data-rs-child-menu="shows" data-rs-analytics-element-visibility="mobile-shows">
      <div class="rs-Submenu-innerContainer">
        <div class="rs-Submenu-containerHeader">














  <button data-rs-child-visibility-toggle="shows"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-closeContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-left" />
</svg></button>
          <span class="rs-Submenu-containerTitle">Shows</span>
        </div>
        <ul class="rs-MenuItemMobile">
          <li class="rs-MenuItem">
<div class="rs-SubmenuTwo">
  
   <div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <strong>Shows</strong>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.shows.the-ramsey-show"href="https://www.ramseysolutions.com/shows/the-ramsey-show"class="rds-Link_toolkit ">    The Ramsey Show
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.shows.the-ramsey-show.listen-or-watch-now"href="https://www.ramseysolutions.com/shows/the-ramsey-show#live-players"class="rds-Link_toolkit rs-IndentedLink">    Listen or Watch Now
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.shows.the-ramsey-show.latest-shows"href="https://www.ramseysolutions.com/shows/the-ramsey-show#recent-episodes"class="rds-Link_toolkit rs-IndentedLink">    Latest Shows
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.shows.the-ramsey-show.be-a-part-of-the-show"href="https://www.ramseysolutions.com/shows/the-ramsey-show#part-of-the-show"class="rds-Link_toolkit rs-IndentedLink">    Be a Part of the Show
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.shows.the-ramsey-show.advertising-and-syndication"href="https://www.ramseysolutions.com/sponsorships/ramsey-network"class="rds-Link_toolkit rs-IndentedLink">    Advertising and Syndication
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.shows.the-entreleadership-podcast"href="https://www.ramseysolutions.com/shows/the-entreleadership-podcast"class="rds-Link_toolkit ">    The EntreLeadership Show
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.shows.the-rachel-cruze-show"href="https://www.ramseysolutions.com/shows/the-rachel-cruze-show"class="rds-Link_toolkit ">    The Rachel Cruze Show
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.shows.the-dr-john-delony-show"href="https://www.ramseysolutions.com/shows/the-dr-john-delony-show"class="rds-Link_toolkit ">    The Dr. John Delony Show
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.shows.the-fine-print"href="https://www.ramseysolutions.com/shows/the-fine-print"class="rds-Link_toolkit ">    The Fine Print
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.shows.smart-money-happy-hour"href="https://www.ramseysolutions.com/shows/smart-money-happy-hour"class="rds-Link_toolkit ">    Smart Money Happy Hour
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.shows.george-kamel"href="https://www.ramseysolutions.com/shows/george-kamel"class="rds-Link_toolkit ">    George Kamel Channel
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.shows.real-estate-the-ramsey-way"href="https://www.ramseysolutions.com/shows/real-estate-the-ramsey-way"class="rds-Link_toolkit ">    Real Estate the Ramsey Way
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows-and-events.get-the-ramsey-network-app"href="https://www.ramseysolutions.com/shows/app"class="rds-Link_toolkit ">    Get the Ramsey Network App
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <strong>Ramsey Experts</strong>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.dave-ramsey"href="https://www.ramseysolutions.com/dave-ramsey"class="rds-Link_toolkit ">    Dave Ramsey
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.rachel-cruze"href="https://www.ramseysolutions.com/rachel-cruze"class="rds-Link_toolkit ">    Rachel Cruze
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.dr-john-delony"href="https://www.ramseysolutions.com/john-delony"class="rds-Link_toolkit ">    Dr. John Delony
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.george-kamel"href="https://www.ramseysolutions.com/george-kamel"class="rds-Link_toolkit ">    George Kamel
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="shows.jade-warshaw"href="https://www.ramseysolutions.com/jade-warshaw"class="rds-Link_toolkit ">    Jade Warshaw
</a>
</li>
    </ul>

  </div>
   </div>
  <hr class="rds-Divider rds-Divider--spacingXl">

   <div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >
















  <a id="shows-and-events.see-all-shows"href="https://www.ramseysolutions.com/shows"class="rds-Link_toolkit ">    See All Shows
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >
















  <a id="shows.see-all-experts"href="https://www.ramseysolutions.com/personalities"class="rds-Link_toolkit ">    See All Experts
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>
   </div>
</div>
          </li>
        </ul>
      </div>
    </div>
  </li>

    
    





  <li
    class="rs-SubmenuMobile "
    data-rs-parent-menu
    data-rs-submenu-free-tools
    data-rs-child-visibility-toggle="free-tools"
  >
    <div class="rs-SubmenuMobile-title" data-rs-submenu="free-tools" data-rs-child-visibility-toggle="free-tools">
      Free Tools
    </div>














  <button data-rs-child-visibility-toggle="free-tools"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-expandContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-right" />
</svg></button>

    <div class="rs-Submenu-container" data-rs-child-menu="free-tools" data-rs-analytics-element-visibility="mobile-free-tools">
      <div class="rs-Submenu-innerContainer">
        <div class="rs-Submenu-containerHeader">














  <button data-rs-child-visibility-toggle="free-tools"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-closeContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-left" />
</svg></button>
          <span class="rs-Submenu-containerTitle">Free Tools</span>
        </div>
        <ul class="rs-MenuItemMobile">
          <li class="rs-MenuItem">
<div class="rs-SubmenuTwo">
  
   <div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Getting Started</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.getting-started.get-started-assessment"href="https://www.ramseysolutions.com/get-started"class="rds-Link_toolkit ">    Get Started Assessment
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.getting-started.ramseys-7-baby-steps"href="https://www.ramseysolutions.com/dave-ramsey-7-baby-steps"class="rds-Link_toolkit ">    Ramsey&rsquo;s 7 Baby Steps
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.getting-started.ramsey-newsletter"href="https://www.ramseysolutions.com/newsletter"class="rds-Link_toolkit ">    Ramsey Newsletter
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Budgeting</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.budgeting.everydollar-budget-app"href="https://www.ramseysolutions.com/money/everydollar"class="rds-Link_toolkit ">    EveryDollar Budget App
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.budgeting.everydollar-guide-to-budgeting"href="https://www.ramseysolutions.com/budgeting/how-to-budget"class="rds-Link_toolkit ">    EveryDollar Guide to Budgeting
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.budgeting.budgeting-forms"href="https://www.ramseysolutions.com/budgeting/useful-forms"class="rds-Link_toolkit ">    Budgeting Forms
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.budgeting.budget-calculator"href="https://www.ramseysolutions.com/budgeting/budget-calculator"class="rds-Link_toolkit ">    Budget Calculator
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Saving</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.saving.money-finder-challenge"href="https://www.ramseysolutions.com/saving/moneyfinder"class="rds-Link_toolkit ">    Money Finder Challenge
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.saving.college-savings-calculator"href="https://www.ramseysolutions.com/saving/college-savings-calculator"class="rds-Link_toolkit ">    College Savings Calculator
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Debt</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.debt.debt-snowball-calculator"href="https://www.ramseysolutions.com/debt/debt-calculator"class="rds-Link_toolkit ">    Debt Snowball Calculator
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.debt.student-loan-payoff-calculator"href="https://www.ramseysolutions.com/debt/student-loan-payoff-calculator"class="rds-Link_toolkit ">    Student Loan Payoff Calculator
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Retirement</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.retirement.retirement-calculator"href="https://www.ramseysolutions.com/retirement/retirement-calculator"class="rds-Link_toolkit ">    Retirement Calculator
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.retirement.investment-calculator"href="https://www.ramseysolutions.com/retirement/investment-calculator"class="rds-Link_toolkit ">    Investment Calculator
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.retirement.net-worth-calculator"href="https://www.ramseysolutions.com/retirement/net-worth-calculator"class="rds-Link_toolkit ">    Net Worth Calculator
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.retirement.compound-interest-calculator"href="https://www.ramseysolutions.com/retirement/compound-interest-calculator"class="rds-Link_toolkit ">    Compound Interest Calculator
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.retirement.retirement-assessment-riq"href="https://www.ramseysolutions.com/retirement/riq"class="rds-Link_toolkit ">    Retirement Assessment (R:IQ)
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.retirement.investing-guide"href="https://www.ramseysolutions.com/retirement/ramsey-investing-guide"class="rds-Link_toolkit ">    Investing Guide
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.retirement.estate-planning-guide"href="https://www.ramseysolutions.com/retirement/estate-planning-guide"class="rds-Link_toolkit ">    Estate Planning Guide
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.financial-advisor-quiz"href="https://www.ramseysolutions.com/retirement/financial-advisors-quiz"class="rds-Link_toolkit ">    Am I Ready for an Advisor? Quiz<br />
&nbsp;
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Insurance</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.insurance.coverage-checkup"href="https://www.ramseysolutions.com/insurance/coverage-checkup"class="rds-Link_toolkit ">    Coverage Checkup
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.insurance.term-life-insurance-calculator"href="https://www.ramseysolutions.com/insurance/term-life-insurance-calculator"class="rds-Link_toolkit ">    Term Life Insurance Calculator
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Real Estate</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.real-estate.mortgage-calculator"href="https://www.ramseysolutions.com/real-estate/mortgage-calculator"class="rds-Link_toolkit ">    Mortgage Calculator
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.real-estate.mortgage-payoff-calculator"href="https://www.ramseysolutions.com/real-estate/mortgage-payoff-calculator"class="rds-Link_toolkit ">    Mortgage Payoff Calculator
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.real-estate.cost-of-living-calculator"href="https://www.ramseysolutions.com/real-estate/cost-of-living-calculator"class="rds-Link_toolkit ">    Cost of Living Calculator
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.real-estate.home-sellers-guide"href="https://www.ramseysolutions.com/real-estate/home-sellers-guide"class="rds-Link_toolkit ">    Home Sellers Guide
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.real-estate.home-buyers-guide"href="https://www.ramseysolutions.com/real-estate/homebuyers-guide"class="rds-Link_toolkit ">    Home Buyers Guide
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.real-estate.am-i-ready-to-buy-or-sell-quiz"href="https://www.ramseysolutions.com/real-estate/am-i-ready-to-buy-or-sell"class="rds-Link_toolkit ">    Am I Ready to Buy or Sell? Quiz
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Wills</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.wills.online-will-vs-lawyer-quiz"href="https://www.ramseysolutions.com/retirement/will/online-will-vs-lawyer-quiz"class="rds-Link_toolkit ">    Online Will vs. Lawyer? Quiz
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Taxes</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.taxes.tax-pro-or-self-file-quiz"href="https://www.ramseysolutions.com/taxes/tax-quiz"class="rds-Link_toolkit ">    Tax Pro or Self-File? Quiz
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.taxes.tax-guide"href="https://www.ramseysolutions.com/taxes/tax-guide"class="rds-Link_toolkit ">    Tax Guide
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Career</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.career.career-clarity-guide"href="https://www.ramseysolutions.com/career-advice/career-clarity-guide"class="rds-Link_toolkit ">    Career Clarity Guide
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.career.resume-guide"href="https://www.ramseysolutions.com/career-advice/resume-guide"class="rds-Link_toolkit ">    R&eacute;sum&eacute; Guide
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.career.interview-guide"href="https://www.ramseysolutions.com/career-advice/interview-guide"class="rds-Link_toolkit ">    Interview Guide
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.career.side-hustle-quiz"href="https://www.ramseysolutions.com/saving/side-hustle-quiz"class="rds-Link_toolkit ">    Side Hustle Quiz
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Business</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.business.business-assessment"href="https://www.ramseysolutions.com/business/entreleadership/resources/stages-of-business-assessment"class="rds-Link_toolkit ">    Business Assessment
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Mental Health</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="free-tools.mental-health.anxiety-test"href="https://www.ramseysolutions.com/personal-growth/anxiety-test"class="rds-Link_toolkit ">    Anxiety Test
</a>
</li>
    </ul>

  </div>
   </div>
  <hr class="rds-Divider rds-Divider--spacingXl">

   <div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >
















  <a id="free-tools.see-all-free-tools"href="https://www.ramseysolutions.com/tools"class="rds-Link_toolkit ">    See All Free Tools
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>
   </div>
</div>
          </li>
        </ul>
      </div>
    </div>
  </li>

    
    





  <li
    class="rs-SubmenuMobile "
    data-rs-parent-menu
    data-rs-submenu-for-businesses
    data-rs-child-visibility-toggle="for-businesses"
  >
    <div class="rs-SubmenuMobile-title" data-rs-submenu="for-businesses" data-rs-child-visibility-toggle="for-businesses">
      For Businesses
    </div>














  <button data-rs-child-visibility-toggle="for-businesses"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-expandContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-right" />
</svg></button>

    <div class="rs-Submenu-container" data-rs-child-menu="for-businesses" data-rs-analytics-element-visibility="mobile-for-businesses">
      <div class="rs-Submenu-innerContainer">
        <div class="rs-Submenu-containerHeader">














  <button data-rs-child-visibility-toggle="for-businesses"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-closeContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-left" />
</svg></button>
          <span class="rs-Submenu-containerTitle">For Businesses</span>
        </div>
        <ul class="rs-MenuItemMobile">
          <li class="rs-MenuItem">
<div class="rs-SubmenuTwo">
  
   <div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>For Your Organization</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.entreleadership"href="https://www.ramseysolutions.com/business/entreleadership"class="rds-Link_toolkit ">    EntreLeadership
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.business-coaching"href="https://www.ramseysolutions.com/business/entreleadership/elite-coaching"class="rds-Link_toolkit ">    Business Coaching
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.smartdollar-financial-wellness"href="https://www.ramseysolutions.com/corporate-wellness/smartdollar"class="rds-Link_toolkit ">    SmartDollar Financial Wellness
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.small-business-tax-pros"href="https://www.ramseysolutions.com/taxes/small-business-accounting"class="rds-Link_toolkit ">    Small Business Tax Pros
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.ramsey-education-for-schools"href="https://www.ramseysolutions.com/education"class="rds-Link_toolkit ">    Ramsey Education for Schools
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.financial-peace-for-churches"href="https://www.ramseysolutions.com/money/organization"class="rds-Link_toolkit ">    Financial Peace for Churches
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Resources</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.business-articles"href="https://www.ramseysolutions.com/business"class="rds-Link_toolkit ">    Business Resources
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.business-assessment"href="https://www.ramseysolutions.com/business/entreleadership/resources/stages-of-business-assessment"class="rds-Link_toolkit ">    Business Assessment
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.the-entreleadership-podcast"href="https://www.ramseysolutions.com/shows/the-entreleadership-podcast"class="rds-Link_toolkit ">    The EntreLeadership Podcast
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.build-a-business-you-love-book"href="https://store.ramseysolutions.com/business-and-career/books/build-a-business-you-love-by-dave-ramsey/"class="rds-Link_toolkit ">    Build a Business You Love&nbsp;Book
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.entreleadership-book"href="https://store.ramseysolutions.com/business-and-career/books/entreleadership/"class="rds-Link_toolkit ">    EntreLeadership&nbsp;Book
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Events</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.entreleadership-summit"href="https://www.ramseysolutions.com/business/entreleadership/conferences"class="rds-Link_toolkit ">    EntreLeadership Summit
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.entreleadership-master-series"href="https://www.ramseysolutions.com/business/entreleadership/conferences"class="rds-Link_toolkit ">    EntreLeadership Master Series
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Become a Pro</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.real-estate-pros"href="https://www.ramseysolutions.com/real-estate/real-estate-pro"class="rds-Link_toolkit ">    Real Estate Pros
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.tax-pros"href="https://www.ramseysolutions.com/taxes/tax-pro"class="rds-Link_toolkit ">    Tax Pros
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.investment-pros"href="https://www.ramseysolutions.com/retirement/investing-pro"class="rds-Link_toolkit ">    Investment Pros
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.p-c-insurance-pros"href="https://www.ramseysolutions.com/insurance/property-casualty-pro"class="rds-Link_toolkit ">    P&amp;C Insurance Pros
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="for-businesses.ltc-insurance-pros"href="https://www.ramseysolutions.com/insurance/long-term-care-pro"class="rds-Link_toolkit ">    LTC Insurance Pros
</a>
</li>
    </ul>

  </div>
   </div>
  <hr class="rds-Divider rds-Divider--spacingXl">

   <div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >
















  <a id="for-businesses.see-all-for-businesses"href="https://www.ramseysolutions.com/business"class="rds-Link_toolkit ">    See All for Businesses
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>
   </div>
</div>
          </li>
        </ul>
      </div>
    </div>
  </li>

    
    





  <li
    class="rs-SubmenuMobile "
    data-rs-parent-menu
    data-rs-submenu-store
    data-rs-child-visibility-toggle="store"
  >
    <div class="rs-SubmenuMobile-title" data-rs-submenu="store" data-rs-child-visibility-toggle="store">


      <style>
/*!***************************************************************************************************************************************************************************************************************************************************************************************!*\
  !*** css ../../../../node_modules/css-loader/dist/cjs.js??ruleSet[1].rules[0].use[1]!../../../../node_modules/postcss-loader/dist/cjs.js??ruleSet[1].rules[0].use[2]!../../../../node_modules/sass-loader/dist/cjs.js??ruleSet[1].rules[0].use[3]!./sass/components/icon/icon_2.scss ***!
  \***************************************************************************************************************************************************************************************************************************************************************************************/
.rds-Icon_2 {
  width: 16px;
  max-width: 100%;
  height: auto;
  fill: currentColor;
  vertical-align: middle;
}

.rds-Icon--small_2 {
  width: 14px;
}

.rds-Icon--large_2 {
  width: 24px;
}

.rds-Icon--xlarge_2 {
  width: 32px;
}

.rds-Icon--primary_2 {
  fill: var(--rds-icon-primary-fill-color, #0073b9);
}

.rds-Icon--alternate_2 {
  fill: var(--rds-icon-alternate-fill-color, #00b2f6);
}

.rds-Icon--neutral_2 {
  fill: #b6bec2;
}

.rds-Icon--light_2 {
  fill: #ffffff;
}

.rds-Icon--positive_2 {
  fill: #35bd59;
}

.rds-Icon--negative_2 {
  fill: #e64b40;
}



/*# sourceMappingURL=icon_2.min.css.map*/      </style>

    









  <svg
      focusable="false"
      aria-hidden="true"
      class="rds-Icon_2 rds-Icon--xsmall_2 rs-SubmenuMobile-titleIcon"
      viewBox="0 0 24 24"
      xmlns="http://www.w3.org/2000/svg"
  >
    

    <use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-cart" />
  </svg>
      Store
    </div>














  <button data-rs-child-visibility-toggle="store"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-expandContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-right" />
</svg></button>

    <div class="rs-Submenu-container" data-rs-child-menu="store" data-rs-analytics-element-visibility="mobile-store">
      <div class="rs-Submenu-innerContainer">
        <div class="rs-Submenu-containerHeader">














  <button data-rs-child-visibility-toggle="store"type="button"class="rds-Button_5 rds-Button--subtle_5 rds-Button--large_5 rds-Button--iconOnly_5 rs-Submenu-closeContainer"><svg
fill="currentColor"
class="rds-Button-icon_5"
width="24"
height="24"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-left" />
</svg></button>
          <span class="rs-Submenu-containerTitle">Store</span>
        </div>
        <ul class="rs-MenuItemMobile">
          <li class="rs-MenuItem">
<div class="rs-SubmenuTwo">
  
   <div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Store</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="store.store.books"href="https://store.ramseysolutions.com/books/all-books/"class="rds-Link_toolkit ">    Books
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="store.store.digital-courses"href="https://store.ramseysolutions.com/business-and-career/courses/"class="rds-Link_toolkit ">    Digital Courses
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="store.store.bundles"href="https://store.ramseysolutions.com/money/bundles/"class="rds-Link_toolkit ">    Bundles
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="store.store.events"href="https://www.ramseysolutions.com/events"class="rds-Link_toolkit ">    Events
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="store.store.gifts"href="https://store.ramseysolutions.com/gifts/"class="rds-Link_toolkit ">    Gifts
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="store.store.sale"href="https://store.ramseysolutions.com/sale/"class="rds-Link_toolkit ">    Sale
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="store.store.kids-and-teens"href="https://store.ramseysolutions.com/youth/"class="rds-Link_toolkit ">    Kids and Teens
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="store.store.new-arrivals"href="https://store.ramseysolutions.com/new-arrivals/"class="rds-Link_toolkit ">    New Arrivals
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Featured</b>
  </p>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="store.featured.new-releases-from-ramsey-experts"href="https://store.ramseysolutions.com/new-arrivals/"class="rds-Link_toolkit ">    New Releases from Ramsey Experts
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="store.featured.the-total-money-makeover-book"href="https://store.ramseysolutions.com/money/books/the-total-money-makeover-by-dave-ramsey/"class="rds-Link_toolkit ">    The Total Money Makeover&nbsp;Book
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="store.featured.entreleadership-book"href="https://store.ramseysolutions.com/business-and-career/books/entreleadership/"class="rds-Link_toolkit ">    EntreLeadership&nbsp;Book
</a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="store.featured.stop-talking-start-communicating"href="https://store.ramseysolutions.com/personal-growth/books/stop-talking-start-communicating-by-dave-ramsey"class="rds-Link_toolkit ">    Stop Talking, Start Communicating
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="store.featured.get-clear-career-assessment"href="https://store.ramseysolutions.com/business-and-career/assessments/get-clear-career-assessment-for-career-change/"class="rds-Link_toolkit ">    Get Clear Career Assessment
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="store.featured.breaking-free-from-broke-book"href="https://store.ramseysolutions.com/money/books/breaking-free-from-broke-by-george-kamel/"class="rds-Link_toolkit ">    Breaking Free From Broke&nbsp;Book
</a>
</li>
        <li class="rs-SubmenuMobile-columnItem " >












  <a id="store.featured.building-a-non-anxious-life-book"href="https://store.ramseysolutions.com/personal-growth/books/building-a-non-anxious-life-by-dr-john-delony/"class="rds-Link_toolkit ">    Building a Non-Anxious Life&nbsp;Book
</a>
</li>
    </ul>

  </div>
   </div>
  <hr class="rds-Divider rds-Divider--spacingXl">

   <div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
        <li class="rs-SubmenuMobile-columnItem " >
















  <a id="store.shop-the-store"href="https://store.ramseysolutions.com/"class="rds-Link_toolkit ">    Shop the Store
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >


    <ul>
    </ul>

  </div>
   </div>
</div>
          </li>
        </ul>
      </div>
    </div>
  </li>

    
</ul>

<ul class="rs-MainMenu">
    





  <li
    class="rs-MenuItemTwo  "
    data-rs-menu-item="money"
    data-rs-submenu-visibility-toggle="money"
  >











  <a id="money"href="https://www.ramseysolutions.com/money"class="rds-Link_toolkit rds-Link--large_toolkit rs-MenuItemTwo-title">      Money
</a>










  <button aria-expanded="false"data-rs-submenu-visibility-toggle="money"type="button"class="rds-Button_5 rds-Button--subtle_5 rs-MenuItemTwo-accessibilityToggle">










  <svg
      aria-hidden="true"
      focusable="false"
      class="rds-Icon_2 rds-Icon--xsmall_2 "
      viewBox="0 0 24 24"
      xmlns="http://www.w3.org/2000/svg"
  >
    

    <use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-down" />
  </svg>
      <span class="u-visuallyHidden">Toggle Money Submenu</span>
</button>

    <div
      class="rs-MenuItemTwo-dialog"
      role="dialog"
      aria-hidden="true"
      data-rs-submenu="money"
    >
<div class="rs-SubmenuTwo">
  
  


      <style>
.rds-Grid_toolkit{display:grid;gap:16px;grid-template-columns:repeat(12,1fr)}@media screen and (min-width:37.5em){.rds-Grid_toolkit{gap:24px}}@media screen and (min-width:75em){.rds-Grid_toolkit{gap:32px}.rds-Grid--gapLarge_toolkit{gap:48px}}.rds-Grid-item_toolkit{grid-column-end:span 12}.rds-Grid-item--start1_toolkit{grid-column-end:-1;grid-column-start:1}.rds-Grid-item--start2_toolkit{grid-column-end:-1;grid-column-start:2}.rds-Grid-item--start3_toolkit{grid-column-end:-1;grid-column-start:3}.rds-Grid-item--start4_toolkit{grid-column-end:-1;grid-column-start:4}.rds-Grid-item--start5_toolkit{grid-column-end:-1;grid-column-start:5}.rds-Grid-item--start6_toolkit{grid-column-end:-1;grid-column-start:6}.rds-Grid-item--start7_toolkit{grid-column-end:-1;grid-column-start:7}.rds-Grid-item--start8_toolkit{grid-column-end:-1;grid-column-start:8}.rds-Grid-item--start9_toolkit{grid-column-end:-1;grid-column-start:9}.rds-Grid-item--start10_toolkit{grid-column-end:-1;grid-column-start:10}.rds-Grid-item--start11_toolkit{grid-column-end:-1;grid-column-start:11}.rds-Grid-item--start12_toolkit{grid-column-end:-1;grid-column-start:12}.rds-Grid-item--span1_toolkit{grid-column-end:span 1}.rds-Grid-item--span2_toolkit{grid-column-end:span 2}.rds-Grid-item--span3_toolkit{grid-column-end:span 3}.rds-Grid-item--span4_toolkit{grid-column-end:span 4}.rds-Grid-item--span5_toolkit{grid-column-end:span 5}.rds-Grid-item--span6_toolkit{grid-column-end:span 6}.rds-Grid-item--span7_toolkit{grid-column-end:span 7}.rds-Grid-item--span8_toolkit{grid-column-end:span 8}.rds-Grid-item--span9_toolkit{grid-column-end:span 9}.rds-Grid-item--span10_toolkit{grid-column-end:span 10}.rds-Grid-item--span11_toolkit{grid-column-end:span 11}.rds-Grid-item--span12_toolkit{grid-column-end:span 12}.rds-Grid-item--orderStart_toolkit{order:-1}.rds-Grid-item--orderEnd_toolkit{order:1}.rds-Grid-item--orderReset_toolkit{order:0}@media screen and (min-width:37.5em){.rds-Grid-item--start1\@sm_toolkit{grid-column-end:-1;grid-column-start:1}.rds-Grid-item--start2\@sm_toolkit{grid-column-end:-1;grid-column-start:2}.rds-Grid-item--start3\@sm_toolkit{grid-column-end:-1;grid-column-start:3}.rds-Grid-item--start4\@sm_toolkit{grid-column-end:-1;grid-column-start:4}.rds-Grid-item--start5\@sm_toolkit{grid-column-end:-1;grid-column-start:5}.rds-Grid-item--start6\@sm_toolkit{grid-column-end:-1;grid-column-start:6}.rds-Grid-item--start7\@sm_toolkit{grid-column-end:-1;grid-column-start:7}.rds-Grid-item--start8\@sm_toolkit{grid-column-end:-1;grid-column-start:8}.rds-Grid-item--start9\@sm_toolkit{grid-column-end:-1;grid-column-start:9}.rds-Grid-item--start10\@sm_toolkit{grid-column-end:-1;grid-column-start:10}.rds-Grid-item--start11\@sm_toolkit{grid-column-end:-1;grid-column-start:11}.rds-Grid-item--start12\@sm_toolkit{grid-column-end:-1;grid-column-start:12}.rds-Grid-item--span1\@sm_toolkit{grid-column-end:span 1}.rds-Grid-item--span2\@sm_toolkit{grid-column-end:span 2}.rds-Grid-item--span3\@sm_toolkit{grid-column-end:span 3}.rds-Grid-item--span4\@sm_toolkit{grid-column-end:span 4}.rds-Grid-item--span5\@sm_toolkit{grid-column-end:span 5}.rds-Grid-item--span6\@sm_toolkit{grid-column-end:span 6}.rds-Grid-item--span7\@sm_toolkit{grid-column-end:span 7}.rds-Grid-item--span8\@sm_toolkit{grid-column-end:span 8}.rds-Grid-item--span9\@sm_toolkit{grid-column-end:span 9}.rds-Grid-item--span10\@sm_toolkit{grid-column-end:span 10}.rds-Grid-item--span11\@sm_toolkit{grid-column-end:span 11}.rds-Grid-item--span12\@sm_toolkit{grid-column-end:span 12}.rds-Grid-item--orderStart\@sm_toolkit{order:-1}.rds-Grid-item--orderEnd\@sm_toolkit{order:1}.rds-Grid-item--orderReset\@sm_toolkit{order:0}}@media screen and (min-width:56.25em){.rds-Grid-item--start1\@md_toolkit{grid-column-end:-1;grid-column-start:1}.rds-Grid-item--start2\@md_toolkit{grid-column-end:-1;grid-column-start:2}.rds-Grid-item--start3\@md_toolkit{grid-column-end:-1;grid-column-start:3}.rds-Grid-item--start4\@md_toolkit{grid-column-end:-1;grid-column-start:4}.rds-Grid-item--start5\@md_toolkit{grid-column-end:-1;grid-column-start:5}.rds-Grid-item--start6\@md_toolkit{grid-column-end:-1;grid-column-start:6}.rds-Grid-item--start7\@md_toolkit{grid-column-end:-1;grid-column-start:7}.rds-Grid-item--start8\@md_toolkit{grid-column-end:-1;grid-column-start:8}.rds-Grid-item--start9\@md_toolkit{grid-column-end:-1;grid-column-start:9}.rds-Grid-item--start10\@md_toolkit{grid-column-end:-1;grid-column-start:10}.rds-Grid-item--start11\@md_toolkit{grid-column-end:-1;grid-column-start:11}.rds-Grid-item--start12\@md_toolkit{grid-column-end:-1;grid-column-start:12}.rds-Grid-item--span1\@md_toolkit{grid-column-end:span 1}.rds-Grid-item--span2\@md_toolkit{grid-column-end:span 2}.rds-Grid-item--span3\@md_toolkit{grid-column-end:span 3}.rds-Grid-item--span4\@md_toolkit{grid-column-end:span 4}.rds-Grid-item--span5\@md_toolkit{grid-column-end:span 5}.rds-Grid-item--span6\@md_toolkit{grid-column-end:span 6}.rds-Grid-item--span7\@md_toolkit{grid-column-end:span 7}.rds-Grid-item--span8\@md_toolkit{grid-column-end:span 8}.rds-Grid-item--span9\@md_toolkit{grid-column-end:span 9}.rds-Grid-item--span10\@md_toolkit{grid-column-end:span 10}.rds-Grid-item--span11\@md_toolkit{grid-column-end:span 11}.rds-Grid-item--span12\@md_toolkit{grid-column-end:span 12}.rds-Grid-item--orderStart\@md_toolkit{order:-1}.rds-Grid-item--orderEnd\@md_toolkit{order:1}.rds-Grid-item--orderReset\@md_toolkit{order:0}}@media screen and (min-width:75em){.rds-Grid-item--start1\@lg_toolkit{grid-column-end:-1;grid-column-start:1}.rds-Grid-item--start2\@lg_toolkit{grid-column-end:-1;grid-column-start:2}.rds-Grid-item--start3\@lg_toolkit{grid-column-end:-1;grid-column-start:3}.rds-Grid-item--start4\@lg_toolkit{grid-column-end:-1;grid-column-start:4}.rds-Grid-item--start5\@lg_toolkit{grid-column-end:-1;grid-column-start:5}.rds-Grid-item--start6\@lg_toolkit{grid-column-end:-1;grid-column-start:6}.rds-Grid-item--start7\@lg_toolkit{grid-column-end:-1;grid-column-start:7}.rds-Grid-item--start8\@lg_toolkit{grid-column-end:-1;grid-column-start:8}.rds-Grid-item--start9\@lg_toolkit{grid-column-end:-1;grid-column-start:9}.rds-Grid-item--start10\@lg_toolkit{grid-column-end:-1;grid-column-start:10}.rds-Grid-item--start11\@lg_toolkit{grid-column-end:-1;grid-column-start:11}.rds-Grid-item--start12\@lg_toolkit{grid-column-end:-1;grid-column-start:12}.rds-Grid-item--span1\@lg_toolkit{grid-column-end:span 1}.rds-Grid-item--span2\@lg_toolkit{grid-column-end:span 2}.rds-Grid-item--span3\@lg_toolkit{grid-column-end:span 3}.rds-Grid-item--span4\@lg_toolkit{grid-column-end:span 4}.rds-Grid-item--span5\@lg_toolkit{grid-column-end:span 5}.rds-Grid-item--span6\@lg_toolkit{grid-column-end:span 6}.rds-Grid-item--span7\@lg_toolkit{grid-column-end:span 7}.rds-Grid-item--span8\@lg_toolkit{grid-column-end:span 8}.rds-Grid-item--span9\@lg_toolkit{grid-column-end:span 9}.rds-Grid-item--span10\@lg_toolkit{grid-column-end:span 10}.rds-Grid-item--span11\@lg_toolkit{grid-column-end:span 11}.rds-Grid-item--span12\@lg_toolkit{grid-column-end:span 12}.rds-Grid-item--orderStart\@lg_toolkit{order:-1}.rds-Grid-item--orderEnd\@lg_toolkit{order:1}.rds-Grid-item--orderReset\@lg_toolkit{order:0}}@media screen and (min-width:93.75em){.rds-Grid-item--start1\@xl_toolkit{grid-column-end:-1;grid-column-start:1}.rds-Grid-item--start2\@xl_toolkit{grid-column-end:-1;grid-column-start:2}.rds-Grid-item--start3\@xl_toolkit{grid-column-end:-1;grid-column-start:3}.rds-Grid-item--start4\@xl_toolkit{grid-column-end:-1;grid-column-start:4}.rds-Grid-item--start5\@xl_toolkit{grid-column-end:-1;grid-column-start:5}.rds-Grid-item--start6\@xl_toolkit{grid-column-end:-1;grid-column-start:6}.rds-Grid-item--start7\@xl_toolkit{grid-column-end:-1;grid-column-start:7}.rds-Grid-item--start8\@xl_toolkit{grid-column-end:-1;grid-column-start:8}.rds-Grid-item--start9\@xl_toolkit{grid-column-end:-1;grid-column-start:9}.rds-Grid-item--start10\@xl_toolkit{grid-column-end:-1;grid-column-start:10}.rds-Grid-item--start11\@xl_toolkit{grid-column-end:-1;grid-column-start:11}.rds-Grid-item--start12\@xl_toolkit{grid-column-end:-1;grid-column-start:12}.rds-Grid-item--span1\@xl_toolkit{grid-column-end:span 1}.rds-Grid-item--span2\@xl_toolkit{grid-column-end:span 2}.rds-Grid-item--span3\@xl_toolkit{grid-column-end:span 3}.rds-Grid-item--span4\@xl_toolkit{grid-column-end:span 4}.rds-Grid-item--span5\@xl_toolkit{grid-column-end:span 5}.rds-Grid-item--span6\@xl_toolkit{grid-column-end:span 6}.rds-Grid-item--span7\@xl_toolkit{grid-column-end:span 7}.rds-Grid-item--span8\@xl_toolkit{grid-column-end:span 8}.rds-Grid-item--span9\@xl_toolkit{grid-column-end:span 9}.rds-Grid-item--span10\@xl_toolkit{grid-column-end:span 10}.rds-Grid-item--span11\@xl_toolkit{grid-column-end:span 11}.rds-Grid-item--span12\@xl_toolkit{grid-column-end:span 12}.rds-Grid-item--orderStart\@xl_toolkit{order:-1}.rds-Grid-item--orderEnd\@xl_toolkit{order:1}.rds-Grid-item--orderReset\@xl_toolkit{order:0}}@media screen and (min-width:112.5em){.rds-Grid-item--start1\@2xl_toolkit{grid-column-end:-1;grid-column-start:1}.rds-Grid-item--start2\@2xl_toolkit{grid-column-end:-1;grid-column-start:2}.rds-Grid-item--start3\@2xl_toolkit{grid-column-end:-1;grid-column-start:3}.rds-Grid-item--start4\@2xl_toolkit{grid-column-end:-1;grid-column-start:4}.rds-Grid-item--start5\@2xl_toolkit{grid-column-end:-1;grid-column-start:5}.rds-Grid-item--start6\@2xl_toolkit{grid-column-end:-1;grid-column-start:6}.rds-Grid-item--start7\@2xl_toolkit{grid-column-end:-1;grid-column-start:7}.rds-Grid-item--start8\@2xl_toolkit{grid-column-end:-1;grid-column-start:8}.rds-Grid-item--start9\@2xl_toolkit{grid-column-end:-1;grid-column-start:9}.rds-Grid-item--start10\@2xl_toolkit{grid-column-end:-1;grid-column-start:10}.rds-Grid-item--start11\@2xl_toolkit{grid-column-end:-1;grid-column-start:11}.rds-Grid-item--start12\@2xl_toolkit{grid-column-end:-1;grid-column-start:12}.rds-Grid-item--span1\@2xl_toolkit{grid-column-end:span 1}.rds-Grid-item--span2\@2xl_toolkit{grid-column-end:span 2}.rds-Grid-item--span3\@2xl_toolkit{grid-column-end:span 3}.rds-Grid-item--span4\@2xl_toolkit{grid-column-end:span 4}.rds-Grid-item--span5\@2xl_toolkit{grid-column-end:span 5}.rds-Grid-item--span6\@2xl_toolkit{grid-column-end:span 6}.rds-Grid-item--span7\@2xl_toolkit{grid-column-end:span 7}.rds-Grid-item--span8\@2xl_toolkit{grid-column-end:span 8}.rds-Grid-item--span9\@2xl_toolkit{grid-column-end:span 9}.rds-Grid-item--span10\@2xl_toolkit{grid-column-end:span 10}.rds-Grid-item--span11\@2xl_toolkit{grid-column-end:span 11}.rds-Grid-item--span12\@2xl_toolkit{grid-column-end:span 12}.rds-Grid-item--orderStart\@2xl_toolkit{order:-1}.rds-Grid-item--orderEnd\@2xl_toolkit{order:1}.rds-Grid-item--orderReset\@2xl_toolkit{order:0}}      </style>

    






  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoBody"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Get a Plan for Your Money</b>
  </p>
</li>
        <li class="">












  <a id="money.the-7-baby-steps"href="https://www.ramseysolutions.com/dave-ramsey-7-baby-steps"class="rds-Link_toolkit ">    The 7 Baby Steps
</a>
</li>
        <li class="">












  <a id="money.everydollar-budget-app"href="https://www.ramseysolutions.com/money/everydollar"class="rds-Link_toolkit ">    EveryDollar Budget App
</a>
</li>
        <li class="">












  <a id="money.financial-peace-university"href="https://www.ramseysolutions.com/money/financial-peace"class="rds-Link_toolkit ">    Financial Peace University
</a>
</li>
        <li class="">












  <a id="money.talk-to-a-coach"href="https://www.ramseysolutions.com/money/everydollar/features#coaching"class="rds-Link_toolkit ">    Talk to a Coach
</a>
</li>
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Getting Started</b>
  </p>
</li>
        <li class="">












  <a id="money.get-started-assessment"href="https://www.ramseysolutions.com/get-started"class="rds-Link_toolkit ">    Get Started Assessment
</a>
</li>
        <li class="">












  <a id="money.get-out-of-debt"href="https://www.ramseysolutions.com/debt/debt-101"class="rds-Link_toolkit ">    Get Out of Debt
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Articles &amp; Guides</b>
  </p>
</li>
        <li class="">












  <a id="money.debt-articles"href="https://www.ramseysolutions.com/debt"class="rds-Link_toolkit ">    Debt Articles
</a>
</li>
        <li class="">












  <a id="money.savings-articles"href="https://www.ramseysolutions.com/saving"class="rds-Link_toolkit ">    Savings Articles
</a>
</li>
        <li class="">












  <a id="money.budgeting-articles"href="https://www.ramseysolutions.com/budgeting"class="rds-Link_toolkit ">    Budgeting Articles
</a>
</li>
        <li class="">












  <a id="money.see-all-money-resources"href="https://www.ramseysolutions.com/money"class="rds-Link_toolkit ">    See All Money Resources
</a>
</li>
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Tools</b>
  </p>
</li>
        <li class="">












  <a id="money.debt-snowball-calculator"href="https://www.ramseysolutions.com/debt/debt-calculator"class="rds-Link_toolkit ">    Debt Snowball Calculator
</a>
</li>
        <li class="">












  <a id="money.budget-calculator"href="https://www.ramseysolutions.com/budgeting/budget-calculator"class="rds-Link_toolkit ">    Budget Calculator
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Events</b>
  </p>
</li>
        <li class="">












  <a id="money.the-ramsey-show-live"href="https://www.ramseysolutions.com/events/the-ramsey-show-live"class="rds-Link_toolkit ">    The Ramsey Show LIVE
</a>
</li>
        <li class="">












  <a id="money.live-like-no-one-else-cruise"href="https://www.ramseysolutions.com/events/live-like-no-one-else-cruise"class="rds-Link_toolkit ">    Live Like No One Else Cruise
</a>
</li>
        <li class="">












  <a id="money.free-live-budgeting-training"href="https://www.ramseysolutions.com/money/everydollar/intro-to-everydollar"class="rds-Link_toolkit ">    Free Live Budgeting Training
</a>
</li>
        <li class="">












  <a id="money.see-all-events"href="https://www.ramseysolutions.com/events"class="rds-Link_toolkit ">    See All Events
</a>
</li>
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>For Students</b>
  </p>
</li>
        <li class="">












  <a id="money.ramsey-education-curriculum"href="https://www.ramseysolutions.com/education"class="rds-Link_toolkit ">    Ramsey Education Curriculum
</a>
</li>
        <li class="">












  <a id="money.college-savings-calculator"href="https://www.ramseysolutions.com/saving/college-savings-calculator"class="rds-Link_toolkit ">    College Savings Calculator
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <strong>Taxes</strong>
  </p>
</li>
        <li class="">












  <a id="money.tax-services"href="https://www.ramseysolutions.com/taxes"class="rds-Link_toolkit ">    Tax Services
</a>
</li>
        <li class="">












  <a id="money.tax-guide"href="https://www.ramseysolutions.com/taxes/tax-guide"class="rds-Link_toolkit ">    Tax Guide
</a>
</li>
        <li class="">












  <a id="money.tax-pro-or-self-file-quiz"href="https://www.ramseysolutions.com/taxes/tax-quiz"class="rds-Link_toolkit ">    Tax Pro or Self-File? Quiz
</a>
</li>
  </ul>

  </div>
  </div>
  
  <hr class="rds-Divider rds-Divider--spacingXl">

  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoFooter"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">
















  <a id="money.see-more-on-money"href="https://www.ramseysolutions.com/money"class="rds-Link_toolkit ">    See More on Money
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">
















  <a id="money.for-tax-professionals"href="https://www.ramseysolutions.com/taxes/tax-pro"class="rds-Link_toolkit ">    For Tax Professionals
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
  </ul>

  </div>
  </div>
  
</div>
    </div>
  </li>

    
    





  <li
    class="rs-MenuItemTwo  "
    data-rs-menu-item="investing-and-retirement"
    data-rs-submenu-visibility-toggle="investing-and-retirement"
  >











  <a id="investing-and-retirement"data-experiment="topical-nav-experiment"href="https://www.ramseysolutions.com/retirement"class="rds-Link_toolkit rds-Link--large_toolkit rs-MenuItemTwo-title">      Investing &amp; Retirement
</a>










  <button aria-expanded="false"data-rs-submenu-visibility-toggle="investing-and-retirement"type="button"class="rds-Button_5 rds-Button--subtle_5 rs-MenuItemTwo-accessibilityToggle">










  <svg
      aria-hidden="true"
      focusable="false"
      class="rds-Icon_2 rds-Icon--xsmall_2 "
      viewBox="0 0 24 24"
      xmlns="http://www.w3.org/2000/svg"
  >
    

    <use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-down" />
  </svg>
      <span class="u-visuallyHidden">Toggle Investing &amp; Retirement Submenu</span>
</button>

    <div
      class="rs-MenuItemTwo-dialog"
      role="dialog"
      aria-hidden="true"
      data-rs-submenu="investing-and-retirement"
    >
<div class="rs-SubmenuTwo">
  
  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoBody"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <strong>Retirement &amp; Investing</strong>
  </p>
</li>
        <li class="">












  <a id="investing-and-retirement.smartvestor-pros"href="https://www.ramseysolutions.com/retirement/smartvestor"class="rds-Link_toolkit ">    SmartVestor Pros
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.will-and-power-of-attorney"href="https://www.ramseysolutions.com/retirement/will"class="rds-Link_toolkit ">    Will &amp; Power of Attorney
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.financial-advisors-101"href="https://www.ramseysolutions.com/retirement/financial-advisors"class="rds-Link_toolkit ">    Financial Advisors 101
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.estate-planning"href="https://www.ramseysolutions.com/retirement/estate-planning"class="rds-Link_toolkit ">    Estate Planning
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Articles &amp; Guides</b>
  </p>
</li>
        <li class="">












  <a id="investing-and-retirement.retirement-resources"href="https://www.ramseysolutions.com/retirement/retirement-resources"class="rds-Link_toolkit ">    Retirement Resources
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.retirement-articles"href="https://www.ramseysolutions.com/retirement#articles"class="rds-Link_toolkit ">    Retirement Articles
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.investing-resources"href="https://www.ramseysolutions.com/retirement/investing-resources"class="rds-Link_toolkit ">    Investing Resources
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.investing-guide"href="https://www.ramseysolutions.com/retirement/ramsey-investing-guide"class="rds-Link_toolkit ">    Investing Guide
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.estate-planning-guide"href="https://www.ramseysolutions.com/retirement/estate-planning-guide"class="rds-Link_toolkit ">    Estate Planning Guide
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Tools</b>
  </p>
</li>
        <li class="">












  <a id="investing-and-retirement.investment-calculator"href="https://www.ramseysolutions.com/retirement/investment-calculator"class="rds-Link_toolkit ">    Investment Calculator
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.net-worth-calculator"href="https://www.ramseysolutions.com/retirement/net-worth-calculator"class="rds-Link_toolkit ">    Net Worth Calculator
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.retirement-calculator"href="https://www.ramseysolutions.com/retirement/retirement-calculator"class="rds-Link_toolkit ">    Retirement Calculator
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.compound-interest-calculator"href="https://www.ramseysolutions.com/retirement/compound-interest-calculator"class="rds-Link_toolkit ">    Compound Interest Calculator
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.financial-advisor-quiz"href="https://www.ramseysolutions.com/retirement/financial-advisors-quiz"class="rds-Link_toolkit ">    Am I Ready for an Advisor? Quiz
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">












  <a id="investing-and-retirement.retirement-assessment-riq"href="https://www.ramseysolutions.com/retirement/riq"class="rds-Link_toolkit ">    Retirement Assessment (R:IQ)
</a>
</li>
        <li class="">












  <a id="investing-and-retirement.online-will-vs-lawyer-quiz"href="https://www.ramseysolutions.com/retirement/will/online-will-vs-lawyer-quiz"class="rds-Link_toolkit ">    Online Will vs. Lawyer? Quiz
</a>
</li>
  </ul>

  </div>
  </div>
  
  <hr class="rds-Divider rds-Divider--spacingXl">

  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoFooter"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">
















  <a id="investing-and-retirement.see-more-on-investing"href="https://www.ramseysolutions.com/retirement"class="rds-Link_toolkit ">    See More on Investing
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">
















  <a id="investing-and-retirement.for-financial-advisors"href="https://www.ramseysolutions.com/retirement/investing-pro"class="rds-Link_toolkit ">    For Financial Advisors
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
  </ul>

  </div>
  </div>
  
</div>
    </div>
  </li>

    
    





  <li
    class="rs-MenuItemTwo  "
    data-rs-menu-item="real-estate"
    data-rs-submenu-visibility-toggle="real-estate"
  >











  <a id="real-estate"href="https://www.ramseysolutions.com/real-estate"class="rds-Link_toolkit rds-Link--large_toolkit rs-MenuItemTwo-title">      Real Estate
</a>










  <button aria-expanded="false"data-rs-submenu-visibility-toggle="real-estate"type="button"class="rds-Button_5 rds-Button--subtle_5 rs-MenuItemTwo-accessibilityToggle">










  <svg
      aria-hidden="true"
      focusable="false"
      class="rds-Icon_2 rds-Icon--xsmall_2 "
      viewBox="0 0 24 24"
      xmlns="http://www.w3.org/2000/svg"
  >
    

    <use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-down" />
  </svg>
      <span class="u-visuallyHidden">Toggle Real Estate Submenu</span>
</button>

    <div
      class="rs-MenuItemTwo-dialog"
      role="dialog"
      aria-hidden="true"
      data-rs-submenu="real-estate"
    >
<div class="rs-SubmenuTwo">
  
  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoBody"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Home Buying</b>
  </p>
</li>
        <li class="">












  <a id="real-estate.buy-a-home-with-a-trusted-agent"href="https://www.ramseysolutions.com/real-estate/residential-real-estate"class="rds-Link_toolkit ">    Buy a Home With a Trusted Agent
</a>
</li>
        <li class="">












  <a id="real-estate.browse-buyers-agent-profiles"href="https://www.ramseysolutions.com/real-estate/us"class="rds-Link_toolkit ">    Browse Buyer&#39;s Agent Profiles
</a>
</li>
        <li class="">












  <a id="real-estate.mortgage-services"href="https://www.ramseysolutions.com/real-estate/mortgage"class="rds-Link_toolkit ">    Mortgage Services
</a>
</li>
        <li class="">












  <a id="real-estate.home-buying-resources"href="https://www.ramseysolutions.com/real-estate/home-buying"class="rds-Link_toolkit ">    Home Buying Resources
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Home Selling</b>
  </p>
</li>
        <li class="">












  <a id="real-estate.sell-a-home-with-a-trusted-agent"href="https://www.ramseysolutions.com/real-estate/residential-real-estate"class="rds-Link_toolkit ">    Sell a Home With a Trusted Agent
</a>
</li>
        <li class="">












  <a id="real-estate.browse-sellers-agent-profiles"href="https://www.ramseysolutions.com/real-estate/us"class="rds-Link_toolkit ">    Browse Seller&#39;s Agent Profiles
</a>
</li>
        <li class="">












  <a id="real-estate.home-selling-resources"href="https://www.ramseysolutions.com/real-estate/home-selling"class="rds-Link_toolkit ">    Home Selling Resources
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Resources</b>
  </p>
</li>
        <li class="">












  <a id="real-estate.all-real-estate-resources"href="https://www.ramseysolutions.com/real-estate"class="rds-Link_toolkit ">    All Real Estate Resources
</a>
</li>
        <li class="">












  <a id="real-estate.us-housing-market-trends"href="https://www.ramseysolutions.com/real-estate/market-trends"class="rds-Link_toolkit ">    U.S. Housing Market Trends
</a>
</li>
        <li class="">












  <a id="real-estate.real-estate-investing"href="https://www.ramseysolutions.com/real-estate/investing"class="rds-Link_toolkit ">    Real Estate Investing
</a>
</li>
        <li class="">












  <a id="real-estate.saving-for-a-down-payment-guide"href="https://www.ramseysolutions.com/real-estate/saving-for-down-payment-guide"class="rds-Link_toolkit ">    Saving for a Down Payment Guide
</a>
</li>
        <li class="">












  <a id="real-estate.renter-resources"href="https://www.ramseysolutions.com/real-estate/renting"class="rds-Link_toolkit ">    Renter Resources
</a>
</li>
        <li class="">












  <a id="real-estate.real-estate-the-ramsey-way-show"href="https://www.ramseysolutions.com/shows/real-estate-the-ramsey-way"class="rds-Link_toolkit ">    Real Estate the Ramsey Way Show
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Tools</b>
  </p>
</li>
        <li class="">












  <a id="real-estate.mortgage-calculator"href="https://www.ramseysolutions.com/real-estate/mortgage-calculator"class="rds-Link_toolkit ">    Mortgage Calculator
</a>
</li>
        <li class="">












  <a id="real-estate.mortgage-payoff-calculator"href="https://www.ramseysolutions.com/real-estate/mortgage-payoff-calculator"class="rds-Link_toolkit ">    Mortgage Payoff Calculator
</a>
</li>
        <li class="">












  <a id="real-estate.cost-of-living-calculator"href="https://www.ramseysolutions.com/real-estate/cost-of-living-calculator"class="rds-Link_toolkit ">    Cost of Living Calculator
</a>
</li>
        <li class="">












  <a id="real-estate.am-i-ready-to-buy-or-sell-quiz"href="https://www.ramseysolutions.com/real-estate/am-i-ready-to-buy-or-sell"class="rds-Link_toolkit ">    Am I Ready to Buy or Sell? Quiz
</a>
</li>
  </ul>

  </div>
  </div>
  
  <hr class="rds-Divider rds-Divider--spacingXl">

  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoFooter"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">
















  <a id="real-estate.see-more-on-real-estate"href="https://www.ramseysolutions.com/real-estate"class="rds-Link_toolkit ">    See More on Real Estate
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">
















  <a id="real-estate.for-real-estate-agents"href="https://www.ramseysolutions.com/real-estate/real-estate-pro"class="rds-Link_toolkit ">    For Real Estate Agents
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
  </ul>

  </div>
  </div>
  
</div>
    </div>
  </li>

    
    





  <li
    class="rs-MenuItemTwo  "
    data-rs-menu-item="insurance"
    data-rs-submenu-visibility-toggle="insurance"
  >











  <a id="insurance"href="https://www.ramseysolutions.com/insurance"class="rds-Link_toolkit rds-Link--large_toolkit rs-MenuItemTwo-title">      Insurance
</a>










  <button aria-expanded="false"data-rs-submenu-visibility-toggle="insurance"type="button"class="rds-Button_5 rds-Button--subtle_5 rs-MenuItemTwo-accessibilityToggle">










  <svg
      aria-hidden="true"
      focusable="false"
      class="rds-Icon_2 rds-Icon--xsmall_2 "
      viewBox="0 0 24 24"
      xmlns="http://www.w3.org/2000/svg"
  >
    

    <use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-down" />
  </svg>
      <span class="u-visuallyHidden">Toggle Insurance Submenu</span>
</button>

    <div
      class="rs-MenuItemTwo-dialog"
      role="dialog"
      aria-hidden="true"
      data-rs-submenu="insurance"
    >
<div class="rs-SubmenuTwo">
  
  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoBody"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <strong>Insurance &amp; Protection</strong>
  </p>
</li>
        <li class="">












  <a id="insurance.home-and-car-insurance-agents"href="https://www.ramseysolutions.com/insurance/home-and-auto-insurance"class="rds-Link_toolkit ">    Home &amp; Car Insurance Agents
</a>
</li>
        <li class="">












  <a id="insurance.term-life-insurance"href="https://www.ramseysolutions.com/insurance/life-insurance"class="rds-Link_toolkit ">    Life Insurance
</a>
</li>
        <li class="">












  <a id="insurance.id-theft-protection"href="https://www.ramseysolutions.com/insurance/id-theft-protection"class="rds-Link_toolkit ">    ID Theft Protection
</a>
</li>
        <li class="">












  <a id="insurance.long-term-care-insurance"href="https://www.ramseysolutions.com/insurance/long-term-care-insurance"class="rds-Link_toolkit ">    Long-Term Care Insurance
</a>
</li>
        <li class="">
















  <a id="insurance.disability-insurance-with-zander"target="_blank"href="https://www.zanderins.com/disability-insurance/quotes"class="rds-Link_toolkit ">    Disability Insurance With Zander
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-link-external" />
</svg></a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">












  <a id="insurance.business-insurance"href="https://www.ramseysolutions.com/insurance/business-insurance"class="rds-Link_toolkit ">    Business Insurance
</a>
</li>
        <li class="">












  <a id="insurance.umbrella-insurance"href="https://www.ramseysolutions.com/insurance/umbrella-insurance"class="rds-Link_toolkit ">    Umbrella Insurance
</a>
</li>
        <li class="">












  <a id="insurance.get-the-right-coverage"href="https://www.ramseysolutions.com/insurance"class="rds-Link_toolkit ">    Get the Right Coverage
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Articles &amp; Guides</b>
  </p>
</li>
        <li class="">












  <a id="insurance.insurance-articles"href="https://www.ramseysolutions.com/insurance#insurance-articles"class="rds-Link_toolkit ">    Insurance Articles
</a>
</li>
        <li class="">












  <a id="insurance.ramsey-car-guide"href="https://www.ramseysolutions.com/insurance/car-guide"class="rds-Link_toolkit ">    Ramsey Car Guide
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Tools</b>
  </p>
</li>
        <li class="">












  <a id="insurance.insurance-coverage-checkup"href="https://www.ramseysolutions.com/insurance/coverage-checkup"class="rds-Link_toolkit ">    Insurance Coverage Checkup
</a>
</li>
        <li class="">












  <a id="insurance.term-life-insurance-calculator"href="https://www.ramseysolutions.com/insurance/term-life-insurance-calculator"class="rds-Link_toolkit ">    Term Life Insurance Calculator
</a>
</li>
        <li class="">












  <a id="insurance.idt-risk-assessment"href="https://www.ramseysolutions.com/insurance/id-theft-protection/risk-assessment-tool"class="rds-Link_toolkit ">    Identity Theft Risk Assessment
</a>
</li>
  </ul>

  </div>
  </div>
  
  <hr class="rds-Divider rds-Divider--spacingXl">

  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoFooter"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">
















  <a id="insurance.see-more-on-insurance"href="https://www.ramseysolutions.com/insurance"class="rds-Link_toolkit ">    See More on Insurance
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">
















  <a id="insurance.for-p-c-agents"href="https://www.ramseysolutions.com/insurance/property-casualty-pro"class="rds-Link_toolkit ">    For P&amp;C Agents
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
  </ul>

  </div>
  </div>
  
</div>
    </div>
  </li>

    
    





  <li
    class="rs-MenuItemTwo  "
    data-rs-menu-item="life-and-career"
    data-rs-submenu-visibility-toggle="life-and-career"
  >











  <a id="life-and-career"href="https://www.ramseysolutions.com/life-and-career"class="rds-Link_toolkit rds-Link--large_toolkit rs-MenuItemTwo-title">      Life &amp; Career
</a>










  <button aria-expanded="false"data-rs-submenu-visibility-toggle="life-and-career"type="button"class="rds-Button_5 rds-Button--subtle_5 rs-MenuItemTwo-accessibilityToggle">










  <svg
      aria-hidden="true"
      focusable="false"
      class="rds-Icon_2 rds-Icon--xsmall_2 "
      viewBox="0 0 24 24"
      xmlns="http://www.w3.org/2000/svg"
  >
    

    <use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-down" />
  </svg>
      <span class="u-visuallyHidden">Toggle Life &amp; Career Submenu</span>
</button>

    <div
      class="rs-MenuItemTwo-dialog"
      role="dialog"
      aria-hidden="true"
      data-rs-submenu="life-and-career"
    >
<div class="rs-SubmenuTwo">
  
  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoBody"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <strong>Level Up Your Career</strong>
  </p>
</li>
        <li class="">












  <a id="life-and-career.career-books"href="https://store.ramseysolutions.com/business-and-career/books/"class="rds-Link_toolkit ">    Career Books
</a>
</li>
        <li class="">












  <a id="life-and-career.career-clarity-guide"href="https://www.ramseysolutions.com/career-advice/career-clarity-guide"class="rds-Link_toolkit ">    Career Clarity Guide
</a>
</li>
        <li class="">












  <a id="life-and-career.career-articles"href="https://www.ramseysolutions.com/career-advice#career-articles"class="rds-Link_toolkit ">    Career Articles
</a>
</li>
        <li class="">












  <a id="life-and-career.get-clear-career-assessment"href="https://store.ramseysolutions.com/business-and-career/assessments/get-clear-career-assessment-for-career-change/"class="rds-Link_toolkit ">    Get Clear Career Assessment
</a>
</li>
        <li class="">












  <a id="life-and-career.career-resources"href="https://www.ramseysolutions.com/career-advice"class="rds-Link_toolkit ">    Career Resources
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Personal Growth</b>
  </p>
</li>
        <li class="">












  <a id="life-and-career.personal-growth-books"href="https://store.ramseysolutions.com/personal-growth/books/"class="rds-Link_toolkit ">    Personal Growth Books
</a>
</li>
        <li class="">












  <a id="life-and-career.anxiety-test"href="https://www.ramseysolutions.com/personal-growth/anxiety-test"class="rds-Link_toolkit ">    Anxiety Test
</a>
</li>
        <li class="">












  <a id="life-and-career.personal-growth-articles"href="https://www.ramseysolutions.com/personal-growth#pg-articles"class="rds-Link_toolkit ">    Personal Growth Articles
</a>
</li>
        <li class="">












  <a id="life-and-career.the-contentment-journal"href="https://store.ramseysolutions.com/personal-growth/books/the-contentment-journal-by-rachel-cruze/"class="rds-Link_toolkit ">    The Contentment Journal
</a>
</li>
        <li class="">












  <a id="life-and-career.personal-growth-resources"href="https://www.ramseysolutions.com/personal-growth"class="rds-Link_toolkit ">    Personal Growth Resources
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Relationships</b>
  </p>
</li>
        <li class="">












  <a id="life-and-career.relationships-articles"href="https://www.ramseysolutions.com/relationships"class="rds-Link_toolkit ">    Relationships Resources
</a>
</li>
        <li class="">












  <a id="life-and-career.conversation-cards"href="https://store.ramseysolutions.com/personal-growth/conversation-cards/"class="rds-Link_toolkit ">    Conversation Cards
</a>
</li>
        <li class="">












  <a id="life-and-career.together-app"href="https://www.ramseysolutions.com/john-delony/the-together-app"class="rds-Link_toolkit ">    Together App
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Trending</b>
  </p>
</li>
        <li class="">












  <a id="life-and-career.the-dr-john-delony-show"href="https://www.ramseysolutions.com/shows/the-dr-john-delony-show"class="rds-Link_toolkit ">    The Dr. John Delony Show
</a>
</li>
        <li class="">












  <a id="life-and-career.money-and-marriage-getaway"href="https://www.ramseysolutions.com/events/money-and-marriage-getaway"class="rds-Link_toolkit ">    Money &amp; Marriage Getaway
</a>
</li>
        <li class="">












  <a id="life-and-career.whats-for-dinner-guide"href="https://www.ramseysolutions.com/budgeting/whats-for-dinner-guide"class="rds-Link_toolkit ">    What&#39;s for Dinner Guide
</a>
</li>
  </ul>

  </div>
  </div>
  
  <hr class="rds-Divider rds-Divider--spacingXl">

  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoFooter"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">
















  <a id="life-and-career.see-more-on-life-and-career"href="https://www.ramseysolutions.com/life-and-career"class="rds-Link_toolkit ">    See More on Life &amp; Career
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>
  </div>
  
</div>
    </div>
  </li>

    
    





  <li
    class="rs-MenuItemTwo  "
    data-rs-menu-item="shows"
    data-rs-submenu-visibility-toggle="shows"
  >











  <a id="shows"href="https://www.ramseysolutions.com/shows"class="rds-Link_toolkit rds-Link--large_toolkit rs-MenuItemTwo-title nav-experiment">      Shows
</a>










  <button aria-expanded="false"data-rs-submenu-visibility-toggle="shows"type="button"class="rds-Button_5 rds-Button--subtle_5 rs-MenuItemTwo-accessibilityToggle">










  <svg
      aria-hidden="true"
      focusable="false"
      class="rds-Icon_2 rds-Icon--xsmall_2 "
      viewBox="0 0 24 24"
      xmlns="http://www.w3.org/2000/svg"
  >
    

    <use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-down" />
  </svg>
      <span class="u-visuallyHidden">Toggle Shows Submenu</span>
</button>

    <div
      class="rs-MenuItemTwo-dialog"
      role="dialog"
      aria-hidden="true"
      data-rs-submenu="shows"
    >
<div class="rs-SubmenuTwo">
  
  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoBody"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <strong>Shows</strong>
  </p>
</li>
        <li class="">












  <a id="shows.shows.the-ramsey-show"href="https://www.ramseysolutions.com/shows/the-ramsey-show"class="rds-Link_toolkit ">    The Ramsey Show
</a>
</li>
        <li class="">












  <a id="shows.shows.the-ramsey-show.listen-or-watch-now"href="https://www.ramseysolutions.com/shows/the-ramsey-show#live-players"class="rds-Link_toolkit rs-IndentedLink">    Listen or Watch Now
</a>
</li>
        <li class="">












  <a id="shows.shows.the-ramsey-show.latest-shows"href="https://www.ramseysolutions.com/shows/the-ramsey-show#recent-episodes"class="rds-Link_toolkit rs-IndentedLink">    Latest Shows
</a>
</li>
        <li class="">












  <a id="shows.shows.the-ramsey-show.be-a-part-of-the-show"href="https://www.ramseysolutions.com/shows/the-ramsey-show#part-of-the-show"class="rds-Link_toolkit rs-IndentedLink">    Be a Part of the Show
</a>
</li>
        <li class="">












  <a id="shows.shows.the-ramsey-show.advertising-and-syndication"href="https://www.ramseysolutions.com/sponsorships/ramsey-network"class="rds-Link_toolkit rs-IndentedLink">    Advertising and Syndication
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">












  <a id="shows.shows.the-entreleadership-podcast"href="https://www.ramseysolutions.com/shows/the-entreleadership-podcast"class="rds-Link_toolkit ">    The EntreLeadership Show
</a>
</li>
        <li class="">












  <a id="shows.shows.the-rachel-cruze-show"href="https://www.ramseysolutions.com/shows/the-rachel-cruze-show"class="rds-Link_toolkit ">    The Rachel Cruze Show
</a>
</li>
        <li class="">












  <a id="shows.shows.the-dr-john-delony-show"href="https://www.ramseysolutions.com/shows/the-dr-john-delony-show"class="rds-Link_toolkit ">    The Dr. John Delony Show
</a>
</li>
        <li class="">












  <a id="shows.shows.the-fine-print"href="https://www.ramseysolutions.com/shows/the-fine-print"class="rds-Link_toolkit ">    The Fine Print
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">












  <a id="shows.shows.smart-money-happy-hour"href="https://www.ramseysolutions.com/shows/smart-money-happy-hour"class="rds-Link_toolkit ">    Smart Money Happy Hour
</a>
</li>
        <li class="">












  <a id="shows.shows.george-kamel"href="https://www.ramseysolutions.com/shows/george-kamel"class="rds-Link_toolkit ">    George Kamel Channel
</a>
</li>
        <li class="">












  <a id="shows.shows.real-estate-the-ramsey-way"href="https://www.ramseysolutions.com/shows/real-estate-the-ramsey-way"class="rds-Link_toolkit ">    Real Estate the Ramsey Way
</a>
</li>
        <li class="">












  <a id="shows-and-events.get-the-ramsey-network-app"href="https://www.ramseysolutions.com/shows/app"class="rds-Link_toolkit ">    Get the Ramsey Network App
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <strong>Ramsey Experts</strong>
  </p>
</li>
        <li class="">












  <a id="shows.dave-ramsey"href="https://www.ramseysolutions.com/dave-ramsey"class="rds-Link_toolkit ">    Dave Ramsey
</a>
</li>
        <li class="">












  <a id="shows.rachel-cruze"href="https://www.ramseysolutions.com/rachel-cruze"class="rds-Link_toolkit ">    Rachel Cruze
</a>
</li>
        <li class="">












  <a id="shows.dr-john-delony"href="https://www.ramseysolutions.com/john-delony"class="rds-Link_toolkit ">    Dr. John Delony
</a>
</li>
        <li class="">












  <a id="shows.george-kamel"href="https://www.ramseysolutions.com/george-kamel"class="rds-Link_toolkit ">    George Kamel
</a>
</li>
        <li class="">












  <a id="shows.jade-warshaw"href="https://www.ramseysolutions.com/jade-warshaw"class="rds-Link_toolkit ">    Jade Warshaw
</a>
</li>
  </ul>

  </div>
  </div>
  
  <hr class="rds-Divider rds-Divider--spacingXl">

  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoFooter"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">
















  <a id="shows-and-events.see-all-shows"href="https://www.ramseysolutions.com/shows"class="rds-Link_toolkit ">    See All Shows
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">
















  <a id="shows.see-all-experts"href="https://www.ramseysolutions.com/personalities"class="rds-Link_toolkit ">    See All Experts
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>
  </div>
  
</div>
    </div>
  </li>

    
    





  <li
    class="rs-MenuItemTwo  "
    data-rs-menu-item="free-tools"
    data-rs-submenu-visibility-toggle="free-tools"
  >











  <a id="free-tools"href="https://www.ramseysolutions.com/tools"class="rds-Link_toolkit rds-Link--large_toolkit rs-MenuItemTwo-title">      Free Tools
</a>










  <button aria-expanded="false"data-rs-submenu-visibility-toggle="free-tools"type="button"class="rds-Button_5 rds-Button--subtle_5 rs-MenuItemTwo-accessibilityToggle">










  <svg
      aria-hidden="true"
      focusable="false"
      class="rds-Icon_2 rds-Icon--xsmall_2 "
      viewBox="0 0 24 24"
      xmlns="http://www.w3.org/2000/svg"
  >
    

    <use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-down" />
  </svg>
      <span class="u-visuallyHidden">Toggle Free Tools Submenu</span>
</button>

    <div
      class="rs-MenuItemTwo-dialog"
      role="dialog"
      aria-hidden="true"
      data-rs-submenu="free-tools"
    >
<div class="rs-SubmenuTwo">
  
  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoBody"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Getting Started</b>
  </p>
</li>
        <li class="">












  <a id="free-tools.getting-started.get-started-assessment"href="https://www.ramseysolutions.com/get-started"class="rds-Link_toolkit ">    Get Started Assessment
</a>
</li>
        <li class="">












  <a id="free-tools.getting-started.ramseys-7-baby-steps"href="https://www.ramseysolutions.com/dave-ramsey-7-baby-steps"class="rds-Link_toolkit ">    Ramsey&rsquo;s 7 Baby Steps
</a>
</li>
        <li class="">












  <a id="free-tools.getting-started.ramsey-newsletter"href="https://www.ramseysolutions.com/newsletter"class="rds-Link_toolkit ">    Ramsey Newsletter
</a>
</li>
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Budgeting</b>
  </p>
</li>
        <li class="">












  <a id="free-tools.budgeting.everydollar-budget-app"href="https://www.ramseysolutions.com/money/everydollar"class="rds-Link_toolkit ">    EveryDollar Budget App
</a>
</li>
        <li class="">












  <a id="free-tools.budgeting.everydollar-guide-to-budgeting"href="https://www.ramseysolutions.com/budgeting/how-to-budget"class="rds-Link_toolkit ">    EveryDollar Guide to Budgeting
</a>
</li>
        <li class="">












  <a id="free-tools.budgeting.budgeting-forms"href="https://www.ramseysolutions.com/budgeting/useful-forms"class="rds-Link_toolkit ">    Budgeting Forms
</a>
</li>
        <li class="">












  <a id="free-tools.budgeting.budget-calculator"href="https://www.ramseysolutions.com/budgeting/budget-calculator"class="rds-Link_toolkit ">    Budget Calculator
</a>
</li>
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Saving</b>
  </p>
</li>
        <li class="">












  <a id="free-tools.saving.money-finder-challenge"href="https://www.ramseysolutions.com/saving/moneyfinder"class="rds-Link_toolkit ">    Money Finder Challenge
</a>
</li>
        <li class="">












  <a id="free-tools.saving.college-savings-calculator"href="https://www.ramseysolutions.com/saving/college-savings-calculator"class="rds-Link_toolkit ">    College Savings Calculator
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Debt</b>
  </p>
</li>
        <li class="">












  <a id="free-tools.debt.debt-snowball-calculator"href="https://www.ramseysolutions.com/debt/debt-calculator"class="rds-Link_toolkit ">    Debt Snowball Calculator
</a>
</li>
        <li class="">












  <a id="free-tools.debt.student-loan-payoff-calculator"href="https://www.ramseysolutions.com/debt/student-loan-payoff-calculator"class="rds-Link_toolkit ">    Student Loan Payoff Calculator
</a>
</li>
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Retirement</b>
  </p>
</li>
        <li class="">












  <a id="free-tools.retirement.retirement-calculator"href="https://www.ramseysolutions.com/retirement/retirement-calculator"class="rds-Link_toolkit ">    Retirement Calculator
</a>
</li>
        <li class="">












  <a id="free-tools.retirement.investment-calculator"href="https://www.ramseysolutions.com/retirement/investment-calculator"class="rds-Link_toolkit ">    Investment Calculator
</a>
</li>
        <li class="">












  <a id="free-tools.retirement.net-worth-calculator"href="https://www.ramseysolutions.com/retirement/net-worth-calculator"class="rds-Link_toolkit ">    Net Worth Calculator
</a>
</li>
        <li class="">












  <a id="free-tools.retirement.compound-interest-calculator"href="https://www.ramseysolutions.com/retirement/compound-interest-calculator"class="rds-Link_toolkit ">    Compound Interest Calculator
</a>
</li>
        <li class="">












  <a id="free-tools.retirement.retirement-assessment-riq"href="https://www.ramseysolutions.com/retirement/riq"class="rds-Link_toolkit ">    Retirement Assessment (R:IQ)
</a>
</li>
        <li class="">












  <a id="free-tools.retirement.investing-guide"href="https://www.ramseysolutions.com/retirement/ramsey-investing-guide"class="rds-Link_toolkit ">    Investing Guide
</a>
</li>
        <li class="">












  <a id="free-tools.retirement.estate-planning-guide"href="https://www.ramseysolutions.com/retirement/estate-planning-guide"class="rds-Link_toolkit ">    Estate Planning Guide
</a>
</li>
        <li class="">












  <a id="free-tools.financial-advisor-quiz"href="https://www.ramseysolutions.com/retirement/financial-advisors-quiz"class="rds-Link_toolkit ">    Am I Ready for an Advisor? Quiz<br />
&nbsp;
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Insurance</b>
  </p>
</li>
        <li class="">












  <a id="free-tools.insurance.coverage-checkup"href="https://www.ramseysolutions.com/insurance/coverage-checkup"class="rds-Link_toolkit ">    Coverage Checkup
</a>
</li>
        <li class="">












  <a id="free-tools.insurance.term-life-insurance-calculator"href="https://www.ramseysolutions.com/insurance/term-life-insurance-calculator"class="rds-Link_toolkit ">    Term Life Insurance Calculator
</a>
</li>
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Real Estate</b>
  </p>
</li>
        <li class="">












  <a id="free-tools.real-estate.mortgage-calculator"href="https://www.ramseysolutions.com/real-estate/mortgage-calculator"class="rds-Link_toolkit ">    Mortgage Calculator
</a>
</li>
        <li class="">












  <a id="free-tools.real-estate.mortgage-payoff-calculator"href="https://www.ramseysolutions.com/real-estate/mortgage-payoff-calculator"class="rds-Link_toolkit ">    Mortgage Payoff Calculator
</a>
</li>
        <li class="">












  <a id="free-tools.real-estate.cost-of-living-calculator"href="https://www.ramseysolutions.com/real-estate/cost-of-living-calculator"class="rds-Link_toolkit ">    Cost of Living Calculator
</a>
</li>
        <li class="">












  <a id="free-tools.real-estate.home-sellers-guide"href="https://www.ramseysolutions.com/real-estate/home-sellers-guide"class="rds-Link_toolkit ">    Home Sellers Guide
</a>
</li>
        <li class="">












  <a id="free-tools.real-estate.home-buyers-guide"href="https://www.ramseysolutions.com/real-estate/homebuyers-guide"class="rds-Link_toolkit ">    Home Buyers Guide
</a>
</li>
        <li class="">












  <a id="free-tools.real-estate.am-i-ready-to-buy-or-sell-quiz"href="https://www.ramseysolutions.com/real-estate/am-i-ready-to-buy-or-sell"class="rds-Link_toolkit ">    Am I Ready to Buy or Sell? Quiz
</a>
</li>
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Wills</b>
  </p>
</li>
        <li class="">












  <a id="free-tools.wills.online-will-vs-lawyer-quiz"href="https://www.ramseysolutions.com/retirement/will/online-will-vs-lawyer-quiz"class="rds-Link_toolkit ">    Online Will vs. Lawyer? Quiz
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Taxes</b>
  </p>
</li>
        <li class="">












  <a id="free-tools.taxes.tax-pro-or-self-file-quiz"href="https://www.ramseysolutions.com/taxes/tax-quiz"class="rds-Link_toolkit ">    Tax Pro or Self-File? Quiz
</a>
</li>
        <li class="">












  <a id="free-tools.taxes.tax-guide"href="https://www.ramseysolutions.com/taxes/tax-guide"class="rds-Link_toolkit ">    Tax Guide
</a>
</li>
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Career</b>
  </p>
</li>
        <li class="">












  <a id="free-tools.career.career-clarity-guide"href="https://www.ramseysolutions.com/career-advice/career-clarity-guide"class="rds-Link_toolkit ">    Career Clarity Guide
</a>
</li>
        <li class="">












  <a id="free-tools.career.resume-guide"href="https://www.ramseysolutions.com/career-advice/resume-guide"class="rds-Link_toolkit ">    R&eacute;sum&eacute; Guide
</a>
</li>
        <li class="">












  <a id="free-tools.career.interview-guide"href="https://www.ramseysolutions.com/career-advice/interview-guide"class="rds-Link_toolkit ">    Interview Guide
</a>
</li>
        <li class="">












  <a id="free-tools.career.side-hustle-quiz"href="https://www.ramseysolutions.com/saving/side-hustle-quiz"class="rds-Link_toolkit ">    Side Hustle Quiz
</a>
</li>
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Business</b>
  </p>
</li>
        <li class="">












  <a id="free-tools.business.business-assessment"href="https://www.ramseysolutions.com/business/entreleadership/resources/stages-of-business-assessment"class="rds-Link_toolkit ">    Business Assessment
</a>
</li>
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Mental Health</b>
  </p>
</li>
        <li class="">












  <a id="free-tools.mental-health.anxiety-test"href="https://www.ramseysolutions.com/personal-growth/anxiety-test"class="rds-Link_toolkit ">    Anxiety Test
</a>
</li>
  </ul>

  </div>
  </div>
  
  <hr class="rds-Divider rds-Divider--spacingXl">

  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoFooter"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">
















  <a id="free-tools.see-all-free-tools"href="https://www.ramseysolutions.com/tools"class="rds-Link_toolkit ">    See All Free Tools
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>
  </div>
  
</div>
    </div>
  </li>

    
    





  <li
    class="rs-MenuItemTwo  "
    data-rs-menu-item="for-businesses"
    data-rs-submenu-visibility-toggle="for-businesses"
  >











  <a id="for-businesses"href="https://www.ramseysolutions.com/business"class="rds-Link_toolkit rds-Link--large_toolkit rs-MenuItemTwo-title">      For Businesses
</a>










  <button aria-expanded="false"data-rs-submenu-visibility-toggle="for-businesses"type="button"class="rds-Button_5 rds-Button--subtle_5 rs-MenuItemTwo-accessibilityToggle">










  <svg
      aria-hidden="true"
      focusable="false"
      class="rds-Icon_2 rds-Icon--xsmall_2 "
      viewBox="0 0 24 24"
      xmlns="http://www.w3.org/2000/svg"
  >
    

    <use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-down" />
  </svg>
      <span class="u-visuallyHidden">Toggle For Businesses Submenu</span>
</button>

    <div
      class="rs-MenuItemTwo-dialog"
      role="dialog"
      aria-hidden="true"
      data-rs-submenu="for-businesses"
    >
<div class="rs-SubmenuTwo">
  
  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoBody"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>For Your Organization</b>
  </p>
</li>
        <li class="">












  <a id="for-businesses.entreleadership"href="https://www.ramseysolutions.com/business/entreleadership"class="rds-Link_toolkit ">    EntreLeadership
</a>
</li>
        <li class="">












  <a id="for-businesses.business-coaching"href="https://www.ramseysolutions.com/business/entreleadership/elite-coaching"class="rds-Link_toolkit ">    Business Coaching
</a>
</li>
        <li class="">












  <a id="for-businesses.smartdollar-financial-wellness"href="https://www.ramseysolutions.com/corporate-wellness/smartdollar"class="rds-Link_toolkit ">    SmartDollar Financial Wellness
</a>
</li>
        <li class="">












  <a id="for-businesses.small-business-tax-pros"href="https://www.ramseysolutions.com/taxes/small-business-accounting"class="rds-Link_toolkit ">    Small Business Tax Pros
</a>
</li>
        <li class="">












  <a id="for-businesses.ramsey-education-for-schools"href="https://www.ramseysolutions.com/education"class="rds-Link_toolkit ">    Ramsey Education for Schools
</a>
</li>
        <li class="">












  <a id="for-businesses.financial-peace-for-churches"href="https://www.ramseysolutions.com/money/organization"class="rds-Link_toolkit ">    Financial Peace for Churches
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Resources</b>
  </p>
</li>
        <li class="">












  <a id="for-businesses.business-articles"href="https://www.ramseysolutions.com/business"class="rds-Link_toolkit ">    Business Resources
</a>
</li>
        <li class="">












  <a id="for-businesses.business-assessment"href="https://www.ramseysolutions.com/business/entreleadership/resources/stages-of-business-assessment"class="rds-Link_toolkit ">    Business Assessment
</a>
</li>
        <li class="">












  <a id="for-businesses.the-entreleadership-podcast"href="https://www.ramseysolutions.com/shows/the-entreleadership-podcast"class="rds-Link_toolkit ">    The EntreLeadership Podcast
</a>
</li>
        <li class="">












  <a id="for-businesses.build-a-business-you-love-book"href="https://store.ramseysolutions.com/business-and-career/books/build-a-business-you-love-by-dave-ramsey/"class="rds-Link_toolkit ">    Build a Business You Love&nbsp;Book
</a>
</li>
        <li class="">












  <a id="for-businesses.entreleadership-book"href="https://store.ramseysolutions.com/business-and-career/books/entreleadership/"class="rds-Link_toolkit ">    EntreLeadership&nbsp;Book
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Events</b>
  </p>
</li>
        <li class="">












  <a id="for-businesses.entreleadership-summit"href="https://www.ramseysolutions.com/business/entreleadership/conferences"class="rds-Link_toolkit ">    EntreLeadership Summit
</a>
</li>
        <li class="">












  <a id="for-businesses.entreleadership-master-series"href="https://www.ramseysolutions.com/business/entreleadership/conferences"class="rds-Link_toolkit ">    EntreLeadership Master Series
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Become a Pro</b>
  </p>
</li>
        <li class="">












  <a id="for-businesses.real-estate-pros"href="https://www.ramseysolutions.com/real-estate/real-estate-pro"class="rds-Link_toolkit ">    Real Estate Pros
</a>
</li>
        <li class="">












  <a id="for-businesses.tax-pros"href="https://www.ramseysolutions.com/taxes/tax-pro"class="rds-Link_toolkit ">    Tax Pros
</a>
</li>
        <li class="">












  <a id="for-businesses.investment-pros"href="https://www.ramseysolutions.com/retirement/investing-pro"class="rds-Link_toolkit ">    Investment Pros
</a>
</li>
        <li class="">












  <a id="for-businesses.p-c-insurance-pros"href="https://www.ramseysolutions.com/insurance/property-casualty-pro"class="rds-Link_toolkit ">    P&amp;C Insurance Pros
</a>
</li>
        <li class="">












  <a id="for-businesses.ltc-insurance-pros"href="https://www.ramseysolutions.com/insurance/long-term-care-pro"class="rds-Link_toolkit ">    LTC Insurance Pros
</a>
</li>
  </ul>

  </div>
  </div>
  
  <hr class="rds-Divider rds-Divider--spacingXl">

  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoFooter"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">
















  <a id="for-businesses.see-all-for-businesses"href="https://www.ramseysolutions.com/business"class="rds-Link_toolkit ">    See All for Businesses
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>
  </div>
  
</div>
    </div>
  </li>

    
    





  <li
    class="rs-MenuItemTwo  "
    data-rs-menu-item="store"
    data-rs-submenu-visibility-toggle="store"
  >















  <a id="store"href="https://store.ramseysolutions.com/"class="rds-Link_toolkit rds-Link--large_toolkit rs-MenuItemTwo-title"><svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--left_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-cart" />
</svg>      Store
</a>










  <button aria-expanded="false"data-rs-submenu-visibility-toggle="store"type="button"class="rds-Button_5 rds-Button--subtle_5 rs-MenuItemTwo-accessibilityToggle">










  <svg
      aria-hidden="true"
      focusable="false"
      class="rds-Icon_2 rds-Icon--xsmall_2 "
      viewBox="0 0 24 24"
      xmlns="http://www.w3.org/2000/svg"
  >
    

    <use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-chevron-down" />
  </svg>
      <span class="u-visuallyHidden">Toggle Store Submenu</span>
</button>

    <div
      class="rs-MenuItemTwo-dialog"
      role="dialog"
      aria-hidden="true"
      data-rs-submenu="store"
    >
<div class="rs-SubmenuTwo">
  
  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoBody"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Store</b>
  </p>
</li>
        <li class="">












  <a id="store.store.books"href="https://store.ramseysolutions.com/books/all-books/"class="rds-Link_toolkit ">    Books
</a>
</li>
        <li class="">












  <a id="store.store.digital-courses"href="https://store.ramseysolutions.com/business-and-career/courses/"class="rds-Link_toolkit ">    Digital Courses
</a>
</li>
        <li class="">












  <a id="store.store.bundles"href="https://store.ramseysolutions.com/money/bundles/"class="rds-Link_toolkit ">    Bundles
</a>
</li>
        <li class="">












  <a id="store.store.events"href="https://www.ramseysolutions.com/events"class="rds-Link_toolkit ">    Events
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">












  <a id="store.store.gifts"href="https://store.ramseysolutions.com/gifts/"class="rds-Link_toolkit ">    Gifts
</a>
</li>
        <li class="">












  <a id="store.store.sale"href="https://store.ramseysolutions.com/sale/"class="rds-Link_toolkit ">    Sale
</a>
</li>
        <li class="">












  <a id="store.store.kids-and-teens"href="https://store.ramseysolutions.com/youth/"class="rds-Link_toolkit ">    Kids and Teens
</a>
</li>
        <li class="">












  <a id="store.store.new-arrivals"href="https://store.ramseysolutions.com/new-arrivals/"class="rds-Link_toolkit ">    New Arrivals
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">









  <p
      class="rds-Text_2 rds-Text--subdued_2 rds-Text--bodySmall_2 u-textAlignLeft u-textAlignLeft@sm"
  >
  <b>Featured</b>
  </p>
</li>
        <li class="">












  <a id="store.featured.new-releases-from-ramsey-experts"href="https://store.ramseysolutions.com/new-arrivals/"class="rds-Link_toolkit ">    New Releases from Ramsey Experts
</a>
</li>
        <li class="">












  <a id="store.featured.the-total-money-makeover-book"href="https://store.ramseysolutions.com/money/books/the-total-money-makeover-by-dave-ramsey/"class="rds-Link_toolkit ">    The Total Money Makeover&nbsp;Book
</a>
</li>
        <li class="">












  <a id="store.featured.entreleadership-book"href="https://store.ramseysolutions.com/business-and-career/books/entreleadership/"class="rds-Link_toolkit ">    EntreLeadership&nbsp;Book
</a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">












  <a id="store.featured.stop-talking-start-communicating"href="https://store.ramseysolutions.com/personal-growth/books/stop-talking-start-communicating-by-dave-ramsey"class="rds-Link_toolkit ">    Stop Talking, Start Communicating
</a>
</li>
        <li class="">












  <a id="store.featured.get-clear-career-assessment"href="https://store.ramseysolutions.com/business-and-career/assessments/get-clear-career-assessment-for-career-change/"class="rds-Link_toolkit ">    Get Clear Career Assessment
</a>
</li>
        <li class="">












  <a id="store.featured.breaking-free-from-broke-book"href="https://store.ramseysolutions.com/money/books/breaking-free-from-broke-by-george-kamel/"class="rds-Link_toolkit ">    Breaking Free From Broke&nbsp;Book
</a>
</li>
        <li class="">












  <a id="store.featured.building-a-non-anxious-life-book"href="https://store.ramseysolutions.com/personal-growth/books/building-a-non-anxious-life-by-dr-john-delony/"class="rds-Link_toolkit ">    Building a Non-Anxious Life&nbsp;Book
</a>
</li>
  </ul>

  </div>
  </div>
  
  <hr class="rds-Divider rds-Divider--spacingXl">

  








  <div
      class="rds-Grid_toolkit rds-Grid--gapLarge_toolkit rs-SubmenuTwoFooter"
  >







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start1@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
        <li class="">
















  <a id="store.shop-the-store"href="https://store.ramseysolutions.com/"class="rds-Link_toolkit ">    Shop the Store
<svg
fill="currentColor"
class="rds-Link-icon_toolkit rds-Link-icon--right_toolkit"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
</li>
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start4@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start7@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>







  <div
      class="rds-Grid-item_toolkit rds-Grid-item--span12_toolkit rds-Grid-item--span3@lg_toolkit rds-Grid-item--start1_toolkit rds-Grid-item--start10@lg_toolkit rs-SubmenuTwo--column"
  >













  <ul
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rds-Stack--leftVerticalAlignment_toolkit rds-Stack--lgSpacing_toolkit "
  >
  </ul>

  </div>
  </div>
  
</div>
    </div>
  </li>

    
</ul>
<div class="rs-MainMenu-overlay"></div>

      <script src="/.resources/magnolia-template-ramseysolutions/assets/dist/js/mainNavigation.min~2026-06-04-13-39-44-000~cache.js" async></script>

    



<ul class="rs-MainMenuMobile u-hide@deskAndUp">
</ul>

<ul class="rs-MainMenu">
</ul>
<div class="rs-MainMenu-overlay"></div>













  <div
      class="rds-Stack_toolkit rds-Stack--vertical_toolkit rs-PrimaryNav-mobileLinks u-spacingInsetSquishSm u-hide@deskAndUp"
  >












  <a href="https://www.ramseysolutions.com/sign-in"class="rds-Link_1 rds-Link--large_1 rs-Masthead-mobileSignin">          Sign In
</a>
  </div>
  <div class="rs-PrimaryNav-mobileCareersLink">














  <a href="https://www.ramseysolutions.com/company/careers"class="rds-Button_5 rds-Button--subtle_5 ">      We're Hiring! See Openings
<svg
fill="currentColor"
class="rds-Button-icon_5 rds-Button-icon--right_5"
width="16"
height="16"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
  </div>
</nav>

<script src="/.resources/magnolia-template-ramseysolutions/assets/dist/js/masthead.min~2026-06-04-13-39-44-000~cache.js" defer></script>

    <main role="main" id="main">





  <div
    
    data-mgnl-id="459dbed0-6eb9-4319-a0d8-7152b9358b34"
    class="gzl-Slice
      
      u-spacePrependSmall u-spaceAppendSmall u-hide@lapWideOnly u-hide@deskOnly u-hide@wallOnly
       "
      
  >




<style>
[data-mgnl-id="459dbed0-6eb9-4319-a0d8-7152b9358b34"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/left-graphics-mobile-1.png') top left / 35% no-repeat, url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/riq-landing/hero/graphics-angle-right.png') bottom right -37% / 70% no-repeat, linear-gradient(#0d5589, #023762) no-repeat;
}
@media only screen and (min-width: 37.5em) {
[data-mgnl-id="459dbed0-6eb9-4319-a0d8-7152b9358b34"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/left-graphics-desk-1.png') top left / contain no-repeat, url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/riq-landing/hero/graphics-angle-right.png') bottom right -5% / contain no-repeat, linear-gradient(#0d5589, #023762) no-repeat;
}
}
@media only screen and (min-width: 56.25em) {
[data-mgnl-id="459dbed0-6eb9-4319-a0d8-7152b9358b34"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/left-graphics-desk-1.png') top left -20% / contain no-repeat, url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/right-graphics-desk-1.png') bottom right -225% / contain no-repeat, linear-gradient(#0d5589, #023762) no-repeat;
}
}
@media only screen and (min-width: 75em) {
[data-mgnl-id="459dbed0-6eb9-4319-a0d8-7152b9358b34"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/left-graphics-desk-1.png') top left / contain no-repeat, url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/right-graphics-desk-1.png') right bottom / contain no-repeat, linear-gradient(#0d5589, #023762) no-repeat;
}
}
@media only screen and (min-width: 112.5em) {
[data-mgnl-id="459dbed0-6eb9-4319-a0d8-7152b9358b34"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/left-graphics-desk-1.png') top left / contain no-repeat, url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/right-graphics-desk-1.png') right bottom / contain no-repeat, linear-gradient(#0d5589, #023762) no-repeat;
}
}
</style>

    <div class="gzl-Slice-container">




<div
  
  class="
    gzl-Block gzl-Block--medium
    
    
  "
  
>


<h1
  
  class="u-textAlignCenter u-textColorModeDark u-typesetHeadingLarge u-spacingStack2"
  
>
  Looking for Chris Hogan or <em>The Chris Hogan Show</em>?
</h1>


<div
  
  class="u-spacingStack1 u-textAlignCenter u-textColorModeDark"
  
>
  <p>Unfortunately, Chris Hogan is no longer with Ramsey Solutions, and we&#39;ve stopped&nbsp;producing <em>The Chris Hogan Show</em>. But we&rsquo;re still committed to helping you build wealth&mdash;just like we have for over 25 years. Check out the resources below!&nbsp;</p>

</div>
</div>

    </div>
  </div>






  <div
    
    data-mgnl-id="6b8f3db7-2d25-418e-860a-08205ab58bab"
    class="gzl-Slice gzl-Slice--small
      
      u-hide@palmOnly u-hide@lapOnly
       "
      
  >




<style>
[data-mgnl-id="6b8f3db7-2d25-418e-860a-08205ab58bab"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/left-graphics-mobile-1.png') top left / 70% no-repeat, url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/right-graphics-mobile-1.png') bottom right / 50% no-repeat, linear-gradient(#0d5589, #023762) no-repeat;
}
@media only screen and (min-width: 37.5em) {
[data-mgnl-id="6b8f3db7-2d25-418e-860a-08205ab58bab"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/left-graphics-desk-1.png') top left -20% / contain no-repeat, url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/right-graphics-desk-1.png') bottom right -60% / contain no-repeat, linear-gradient(#0d5589, #023762) no-repeat;
}
}
@media only screen and (min-width: 56.25em) {
[data-mgnl-id="6b8f3db7-2d25-418e-860a-08205ab58bab"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/left-graphics-desk-1.png') top left / contain no-repeat, url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/right-graphics-desk-1.png') bottom right / contain no-repeat, linear-gradient(#0d5589, #023762) no-repeat;
}
}
@media only screen and (min-width: 75em) {
[data-mgnl-id="6b8f3db7-2d25-418e-860a-08205ab58bab"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/left-graphics-desk-1.png') top left / contain no-repeat, url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/right-graphics-desk-1.png') right bottom / contain no-repeat, linear-gradient(#0d5589, #023762) no-repeat;
}
}
@media only screen and (min-width: 112.5em) {
[data-mgnl-id="6b8f3db7-2d25-418e-860a-08205ab58bab"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/left-graphics-desk-1.png') top left / contain no-repeat, url('https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/show/right-graphics-desk-1.png') right bottom / contain no-repeat, linear-gradient(#0d5589, #023762) no-repeat;
}
}
</style>

    <div class="gzl-Slice-container">




<div
  
  class="
    gzl-Block gzl-Block--large
    
    
  "
  
>


<h1
  
  class="u-textAlignCenter u-textColorModeDark u-typesetHeadingLarge u-spacingStack2"
  
>
  Looking for Chris Hogan or <em>The Chris Hogan Show</em>?
</h1>


<div
  
  class="u-spacingStack1 u-textAlignCenter u-textColorModeDark"
  
>
  <p>Unfortunately, Chris Hogan is no longer with Ramsey Solutions, and we&#39;ve stopped&nbsp;producing <em>The Chris Hogan Show</em>. But we&rsquo;re still committed to helping you build wealth&mdash;just like we have for over 25 years. Check out the resources below!&nbsp;</p>

</div>
</div>

    </div>
  </div>






  <div
    
    data-mgnl-id="18c57ed5-fcc3-4bee-b093-107b012abbcc"
    class="gzl-Slice
      
      
       "
      
  >






    <div class="gzl-Slice-container">




<div
  
  class="
    gzl-Block
    u-spacingStack6
    
  "
  
>


<h1
  
  class="u-textAlignCenter u-typesetHeadingMedium u-spacingStack4"
  
>
  Investing and Retirement Articles
</h1>













<div
  data-mgnl-id="47ebff28-f4b3-4b73-8097-2d7be82a46a1"
  class="
    rs-CardGroup
    rs-CardGroup-advanced
    rs-CardGroup--portrait
    wall-only--threeColumns
    desk-only--threeColumns
    lap-wide-only--threeColumns
    lap-only--twoColumns
    palm-only--oneColumn
    spaceBetweenCards--large
    "
>










      <style>
/*!***************************************************************************************************************************************************************************************************************************************************************************************!*\
  !*** css ../../../../node_modules/css-loader/dist/cjs.js??ruleSet[1].rules[0].use[1]!../../../../node_modules/postcss-loader/dist/cjs.js??ruleSet[1].rules[0].use[2]!../../../../node_modules/sass-loader/dist/cjs.js??ruleSet[1].rules[0].use[3]!./sass/components/card/card_1.scss ***!
  \***************************************************************************************************************************************************************************************************************************************************************************************/
.rds-Card_1 {
  display: flex;
  flex-direction: column;
  border-radius: 8px;
  box-shadow: 0 6px 16px 0 rgba(31, 36, 38, 0.15);
  background-color: #ffffff;
  overflow: hidden;
  text-align: left;
  text-indent: 0;
  text-transform: none;
  text-decoration: none;
  text-shadow: none;
  line-height: 1;
  letter-spacing: normal;
  color: #1f2426;
  font-family: canada-type-gibson, Arial, sans-serif;
  font-size: 16px;
  font-weight: 400;
  font-style: normal;
}

.rds-Card-content_1 {
  display: flex;
  flex: 1;
  flex-direction: column;
  padding: 24px;
}

.rds-Card-content_1 > :last-child {
  margin-bottom: 0;
}

.rds-Card-header_1 {
  margin-bottom: 16px;
}

.rds-Card-header_1 > :not(:last-child) {
  margin-bottom: 8px;
}

.rds-Card-body_1 {
  margin-bottom: 16px;
  line-height: 1.25;
}

.rds-Card-footer_1 {
  margin-top: auto;
  text-align: center;
}

.rds-Card-imageWrapper_1 img,
.rds-Card-imageWrapper_1 video {
  width: 100%;
  height: auto;
  vertical-align: middle;
}

.rds-Card-title_1 {
  margin: 0;
  line-height: 1.25;
  color: #1f2426;
  font-size: 18px;
  font-weight: 600;
}

.rds-Card-title_1 a {
  text-decoration: none;
  color: #1f2426;
}

.rds-Card-title_1 a:hover {
  color: #495257;
}

.rds-Card-metadata_1 {
  display: flex;
  align-items: center;
  line-height: 1.5;
  color: #69757a;
  font-size: 14px;
}

.rds-Card-action_1 {
  display: inline-flex;
  align-items: center;
  transition: background-color 0.3s cubic-bezier(0.19, 1, 0.22, 1), border-color 0.3s cubic-bezier(0.19, 1, 0.22, 1), color 0.3s cubic-bezier(0.19, 1, 0.22, 1);
  border: 2px solid transparent;
  border-radius: 4px;
  background-color: transparent;
  padding: 12px 20px;
  text-decoration: none;
  line-height: 1;
  color: #0073b9;
  font-size: 16px;
  font-weight: 600;
}

.rds-Card-action_1:hover, .rds-Card-action_1:focus, .rds-Card-action_1:active {
  background-color: rgba(0, 115, 185, 0.1);
  color: #0073b9;
}

.rds-Card-actionIcon_1 {
  margin-left: 8px;
}



/*# sourceMappingURL=card_1.min.css.map*/      </style>

    




  <article
      data-analytics="article-card"
      class="rds-Card_1 "
  >
      <a href="https://www.ramseysolutions.com/retirement/how-to-start-investing" class="rds-Card-imageWrapper_1">
        


  <picture>
          <source
            srcset="https://cdn2.ramseysolutions.net/dynamic-webp/media/blog/retirement/investing/how-to-start-investing.jpg/300w.webp 300w, https://cdn2.ramseysolutions.net/dynamic-webp/media/blog/retirement/investing/how-to-start-investing.jpg/368w.webp 368w"
              media="(min-width: 75em)"
                sizes="(min-width: 75em) 368px"
            type="image/webp"
          >
        <source
            srcset="https://cdn2.ramseysolutions.net/dynamic/media/blog/retirement/investing/how-to-start-investing.jpg/300w.jpg 300w, https://cdn2.ramseysolutions.net/dynamic/media/blog/retirement/investing/how-to-start-investing.jpg/368w.jpg 368w"
            media="(min-width: 75em)"
              sizes="(min-width: 75em) 368px"
        >
          <source
            srcset="https://cdn2.ramseysolutions.net/dynamic-webp/media/blog/retirement/investing/how-to-start-investing.jpg/300w.webp 300w, https://cdn2.ramseysolutions.net/dynamic-webp/media/blog/retirement/investing/how-to-start-investing.jpg/402w.webp 402w"
              media="(min-width: 37.5em)"
                sizes="(min-width: 37.5em) 368px"
            type="image/webp"
          >
        <source
            srcset="https://cdn2.ramseysolutions.net/dynamic/media/blog/retirement/investing/how-to-start-investing.jpg/300w.jpg 300w, https://cdn2.ramseysolutions.net/dynamic/media/blog/retirement/investing/how-to-start-investing.jpg/402w.jpg 402w"
            media="(min-width: 37.5em)"
              sizes="(min-width: 37.5em) 368px"
        >
          <source
            srcset="https://cdn2.ramseysolutions.net/dynamic-webp/media/blog/retirement/investing/how-to-start-investing.jpg/300w.webp 300w, https://cdn2.ramseysolutions.net/dynamic-webp/media/blog/retirement/investing/how-to-start-investing.jpg/567w.webp 567w"
            type="image/webp"
          >
        <source
            srcset="https://cdn2.ramseysolutions.net/dynamic/media/blog/retirement/investing/how-to-start-investing.jpg/300w.jpg 300w, https://cdn2.ramseysolutions.net/dynamic/media/blog/retirement/investing/how-to-start-investing.jpg/567w.jpg 567w"
        >
    <img
      
      class=" "
      style="vertical-align: middle"
      src="https://cdn.ramseysolutions.net/media/blog/retirement/investing/how-to-start-investing.jpg"
      alt="how to start investing"
        width="368"
        height="193"
        loading="lazy"
    >
  </picture>


      </a>
    <div class="rds-Card-content_1">
      <header class="rds-Card-header_1">
    <div class="rds-Card-categoryArea" style="margin-bottom: var(--rds-size-spacing-block-sm);">


      <style>
/*!*************************************************************************************************************************************************************************************************************************************************************************************!*\
  !*** css ../../../../node_modules/css-loader/dist/cjs.js??ruleSet[1].rules[0].use[1]!../../../../node_modules/postcss-loader/dist/cjs.js??ruleSet[1].rules[0].use[2]!../../../../node_modules/sass-loader/dist/cjs.js??ruleSet[1].rules[0].use[3]!./sass/components/tag/tag_2.scss ***!
  \*************************************************************************************************************************************************************************************************************************************************************************************/
.rds-Tag_2 {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
  border-radius: 9999px;
  background-color: #69757a;
  padding: 5px 12px;
  text-align: center;
  text-indent: 0;
  text-transform: none;
  text-decoration: none;
  text-shadow: none;
  line-height: 1;
  letter-spacing: normal;
  color: #ffffff;
  font-family: canada-type-gibson, Arial, sans-serif;
  font-size: 14px;
  font-weight: 600;
  font-style: normal;
}

a.rds-Tag_2:hover, a.rds-Tag_2:focus, a.rds-Tag_2:active {
  background-color: #495257;
}

.rds-Tag_2.on-darkCanvas {
  background-color: #ffffff;
  color: #495257;
}

a.rds-Tag_2.on-darkCanvas:hover, a.rds-Tag_2.on-darkCanvas:focus, a.rds-Tag_2.on-darkCanvas:active {
  background-color: #f5f7f8;
}

.rds-Tag--subtle_2, .rds-Tag--subtle_2.on-darkCanvas {
  background-color: #e8eced;
  color: #495257;
}

a.rds-Tag--subtle_2:hover, a.rds-Tag--subtle_2:focus, a.rds-Tag--subtle_2:active, a.rds-Tag--subtle_2.on-darkCanvas:hover, a.rds-Tag--subtle_2.on-darkCanvas:focus, a.rds-Tag--subtle_2.on-darkCanvas:active {
  background-color: #d5d9db;
}

.rds-Tag--primary_2 {
  background-color: var(--rds-tag-primary-background-color, #0073b9);
}

a.rds-Tag--primary_2:hover, a.rds-Tag--primary_2:focus, a.rds-Tag--primary_2:active {
  background-color: var(--rds-tag-primary-background-color-interactive, #005b98);
}

.rds-Tag--primary_2.on-darkCanvas {
  background-color: #ffffff;
  color: var(--rds-tag-primary-background-color, #0073b9);
}

.rds-Tag--primary_2.rds-Tag--subtle_2, .rds-Tag--primary_2.rds-Tag--subtle_2.on-darkCanvas {
  background-color: var(--rds-tag-primary-background-color-subtle, #ebf4fa);
  color: var(--rds-tag-primary-text-color-subtle, #005b98);
}

a.rds-Tag--primary_2.rds-Tag--subtle_2:hover, a.rds-Tag--primary_2.rds-Tag--subtle_2:focus, a.rds-Tag--primary_2.rds-Tag--subtle_2:active, a.rds-Tag--primary_2.rds-Tag--subtle_2.on-darkCanvas:hover, a.rds-Tag--primary_2.rds-Tag--subtle_2.on-darkCanvas:focus, a.rds-Tag--primary_2.rds-Tag--subtle_2.on-darkCanvas:active {
  background-color: var(--rds-tag-primary-background-color-subtle-interactive, #d8f1fc);
}

.rds-Tag--alternate_2 {
  background-color: var(--rds-tag-alternate-background-color, #003561);
}

a.rds-Tag--alternate_2:hover, a.rds-Tag--alternate_2:focus, a.rds-Tag--alternate_2:active {
  background-color: var(--rds-tag-alternate-background-color-interactive, #002342);
}

.rds-Tag--alternate_2.on-darkCanvas, .rds-Tag--alternate_2.on-darkCanvas.rds-Tag--subtle_2 {
  background-color: #ffffff;
  color: var(--rds-tag-alternate-background-color, #003561);
}

a.rds-Tag--alternate_2.on-darkCanvas:hover, a.rds-Tag--alternate_2.on-darkCanvas:focus, a.rds-Tag--alternate_2.on-darkCanvas:active, a.rds-Tag--alternate_2.on-darkCanvas.rds-Tag--subtle_2:hover, a.rds-Tag--alternate_2.on-darkCanvas.rds-Tag--subtle_2:focus, a.rds-Tag--alternate_2.on-darkCanvas.rds-Tag--subtle_2:active {
  background-color: #f5f7f8;
}

.rds-Tag--alternate_2.rds-Tag--subtle_2 {
  background-color: var(--rds-tag-alternate-background-color-subtle, rgba(0, 53, 97, 0.1));
  color: var(--rds-tag-alternate-text-color-subtle, #004477);
}

a.rds-Tag--alternate_2.rds-Tag--subtle_2:hover, a.rds-Tag--alternate_2.rds-Tag--subtle_2:focus, a.rds-Tag--alternate_2.rds-Tag--subtle_2:active {
  background-color: var(--rds-tag-alternate-background-color-subtle-interactive, rgba(0, 53, 97, 0.2));
}

.rds-Tag--positive_2 {
  background-color: #1b8533;
}

a.rds-Tag--positive_2:hover, a.rds-Tag--positive_2:focus, a.rds-Tag--positive_2:active {
  background-color: #106621;
}

.rds-Tag--positive_2.on-darkCanvas {
  color: #1b8533;
}

.rds-Tag--positive_2.rds-Tag--subtle_2, .rds-Tag--positive_2.rds-Tag--subtle_2.on-darkCanvas {
  background-color: #eaf8ee;
  color: #106621;
}

a.rds-Tag--positive_2.rds-Tag--subtle_2:hover, a.rds-Tag--positive_2.rds-Tag--subtle_2:focus, a.rds-Tag--positive_2.rds-Tag--subtle_2:active, a.rds-Tag--positive_2.rds-Tag--subtle_2.on-darkCanvas:hover, a.rds-Tag--positive_2.rds-Tag--subtle_2.on-darkCanvas:focus, a.rds-Tag--positive_2.rds-Tag--subtle_2.on-darkCanvas:active {
  background-color: #d9fae1;
}

.rds-Tag--negative_2 {
  background-color: #cc392f;
}

a.rds-Tag--negative_2:hover, a.rds-Tag--negative_2:focus, a.rds-Tag--negative_2:active {
  background-color: #a62b24;
}

.rds-Tag--negative_2.on-darkCanvas {
  color: #cc392f;
}

.rds-Tag--negative_2.rds-Tag--subtle_2, .rds-Tag--negative_2.rds-Tag--subtle_2.on-darkCanvas {
  background-color: #fcedeb;
  color: #a62b24;
}

a.rds-Tag--negative_2.rds-Tag--subtle_2:hover, a.rds-Tag--negative_2.rds-Tag--subtle_2:focus, a.rds-Tag--negative_2.rds-Tag--subtle_2:active, a.rds-Tag--negative_2.rds-Tag--subtle_2.on-darkCanvas:hover, a.rds-Tag--negative_2.rds-Tag--subtle_2.on-darkCanvas:focus, a.rds-Tag--negative_2.rds-Tag--subtle_2.on-darkCanvas:active {
  background-color: #fdded8;
}

.rds-Tag--small_2 {
  padding: 3px 8px;
  font-size: 12px;
}

.rds-Tag--large_2 {
  padding: 7px 16px;
  font-size: 18px;
}

.rds-Tag-icon_2 {
  flex-shrink: 0;
  margin-right: 4px;
  width: 1em;
  height: 1em;
}



/*# sourceMappingURL=tag_2.min.css.map*/      </style>

    











  <span class="rds-Tag_2 rds-Tag--subtle_2 ">Investing & Retirement</span>
    </div>

        <h3 class="rds-Card-title_1">
          <a href="https://www.ramseysolutions.com/retirement/how-to-start-investing">How to Start Investing in 2026: A Beginner&rsquo;s Guide</a>
        </h3>

          <div class="rds-Card-metadata_1">      <div style="display: flex; align-items: center; text-transform: uppercase;">











  <svg
      style="margin-right: var(--rds-size-spacing-block-xs);"
      focusable="false"
      aria-hidden="true"
      class="rds-Icon_2 "
      viewBox="0 0 24 24"
      xmlns="http://www.w3.org/2000/svg"
  >
    

    <use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-time-outlined" />
  </svg>
        13 min read
      </div>
</div>
      </header>

      <div class="rds-Card-body_1">
      <p style="margin-bottom: var(--rds-size-spacing-block-sm);">Starting your investing journey can be overwhelming, but following a game plan can take a lot of the stress out of the equation. Let’s look at investing for beginners so you can start saving!</p>












  <div
      class="rds-Stack_toolkit rds-Stack--smSpacing_toolkit "
  >
        <img style="border-radius: var(--rds-size-radius-full);"
             src="https://cdn2.ramseysolutions.net/dynamic/media/landing-pages/blog/author-bio-ramsey-large.jpg/48w.jpg"
             alt="Ramsey Solutions"
             height="48"
             width="48" />
        <span style="font-size: var(--rds-size-font-2); font-weight: var(--rds-font-weight-semibold); text-transform: uppercase;">
          Ramsey Solutions
        </span>
  </div>

      </div>

        <footer class="rds-Card-footer_1">











  <div
      class="rds-Stack_toolkit rds-Stack--centerHorizontalAlignment_toolkit rds-Stack--smSpacing_toolkit "
  >














  <a aria-label="Read How to Start Investing in 2026: A Beginner&rsquo;s Guide"href="https://www.ramseysolutions.com/retirement/how-to-start-investing"class="rds-Button_5 rds-Button--ghost_5 rds-Button--fullWidthOnMobile_5 ">        Read Article
<svg
fill="currentColor"
class="rds-Button-icon_5 rds-Button-icon--right_5"
width="16"
height="16"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
  </div>
        </footer>
    </div>
  </article>














  <article
      data-analytics="article-card"
      class="rds-Card_1 "
  >
      <a href="https://www.ramseysolutions.com/retirement/can-you-retire-early" class="rds-Card-imageWrapper_1">
        


  <picture>
          <source
            srcset="https://cdn2.ramseysolutions.net/dynamic-webp/daveramsey.com/media/blog/retirement/retirement-planning/can-i-retire-early.jpg/300w.webp 300w, https://cdn2.ramseysolutions.net/dynamic-webp/daveramsey.com/media/blog/retirement/retirement-planning/can-i-retire-early.jpg/368w.webp 368w"
              media="(min-width: 75em)"
                sizes="(min-width: 75em) 368px"
            type="image/webp"
          >
        <source
            srcset="https://cdn2.ramseysolutions.net/dynamic/daveramsey.com/media/blog/retirement/retirement-planning/can-i-retire-early.jpg/300w.jpg 300w, https://cdn2.ramseysolutions.net/dynamic/daveramsey.com/media/blog/retirement/retirement-planning/can-i-retire-early.jpg/368w.jpg 368w"
            media="(min-width: 75em)"
              sizes="(min-width: 75em) 368px"
        >
          <source
            srcset="https://cdn2.ramseysolutions.net/dynamic-webp/daveramsey.com/media/blog/retirement/retirement-planning/can-i-retire-early.jpg/300w.webp 300w, https://cdn2.ramseysolutions.net/dynamic-webp/daveramsey.com/media/blog/retirement/retirement-planning/can-i-retire-early.jpg/402w.webp 402w"
              media="(min-width: 37.5em)"
                sizes="(min-width: 37.5em) 368px"
            type="image/webp"
          >
        <source
            srcset="https://cdn2.ramseysolutions.net/dynamic/daveramsey.com/media/blog/retirement/retirement-planning/can-i-retire-early.jpg/300w.jpg 300w, https://cdn2.ramseysolutions.net/dynamic/daveramsey.com/media/blog/retirement/retirement-planning/can-i-retire-early.jpg/402w.jpg 402w"
            media="(min-width: 37.5em)"
              sizes="(min-width: 37.5em) 368px"
        >
          <source
            srcset="https://cdn2.ramseysolutions.net/dynamic-webp/daveramsey.com/media/blog/retirement/retirement-planning/can-i-retire-early.jpg/300w.webp 300w, https://cdn2.ramseysolutions.net/dynamic-webp/daveramsey.com/media/blog/retirement/retirement-planning/can-i-retire-early.jpg/567w.webp 567w"
            type="image/webp"
          >
        <source
            srcset="https://cdn2.ramseysolutions.net/dynamic/daveramsey.com/media/blog/retirement/retirement-planning/can-i-retire-early.jpg/300w.jpg 300w, https://cdn2.ramseysolutions.net/dynamic/daveramsey.com/media/blog/retirement/retirement-planning/can-i-retire-early.jpg/567w.jpg 567w"
        >
    <img
      
      class=" "
      style="vertical-align: middle"
      src="https://cdn.ramseysolutions.net/daveramsey.com/media/blog/retirement/retirement-planning/can-i-retire-early.jpg"
      alt="Can I Retire Early?"
        width="368"
        height="193"
        loading="lazy"
    >
  </picture>


      </a>
    <div class="rds-Card-content_1">
      <header class="rds-Card-header_1">
    <div class="rds-Card-categoryArea" style="margin-bottom: var(--rds-size-spacing-block-sm);">













  <span class="rds-Tag_2 rds-Tag--subtle_2 ">Investing & Retirement</span>
    </div>

        <h3 class="rds-Card-title_1">
          <a href="https://www.ramseysolutions.com/retirement/can-you-retire-early">Can I Retire Early?</a>
        </h3>

          <div class="rds-Card-metadata_1">      <div style="display: flex; align-items: center; text-transform: uppercase;">











  <svg
      style="margin-right: var(--rds-size-spacing-block-xs);"
      focusable="false"
      aria-hidden="true"
      class="rds-Icon_2 "
      viewBox="0 0 24 24"
      xmlns="http://www.w3.org/2000/svg"
  >
    

    <use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-time-outlined" />
  </svg>
        9 min read
      </div>
</div>
      </header>

      <div class="rds-Card-body_1">
      <p style="margin-bottom: var(--rds-size-spacing-block-sm);">Find out how much money you need to save each month to make early retirement possible.</p>












  <div
      class="rds-Stack_toolkit rds-Stack--smSpacing_toolkit "
  >
        <img style="border-radius: var(--rds-size-radius-full);"
             src="https://cdn2.ramseysolutions.net/dynamic/media/landing-pages/blog/author-bio-ramsey-large.jpg/48w.jpg"
             alt="Ramsey Solutions"
             height="48"
             width="48" />
        <span style="font-size: var(--rds-size-font-2); font-weight: var(--rds-font-weight-semibold); text-transform: uppercase;">
          Ramsey Solutions
        </span>
  </div>

      </div>

        <footer class="rds-Card-footer_1">











  <div
      class="rds-Stack_toolkit rds-Stack--centerHorizontalAlignment_toolkit rds-Stack--smSpacing_toolkit "
  >














  <a aria-label="Read Can I Retire Early?"href="https://www.ramseysolutions.com/retirement/can-you-retire-early"class="rds-Button_5 rds-Button--ghost_5 rds-Button--fullWidthOnMobile_5 ">        Read Article
<svg
fill="currentColor"
class="rds-Button-icon_5 rds-Button-icon--right_5"
width="16"
height="16"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
  </div>
        </footer>
    </div>
  </article>














  <article
      data-analytics="article-card"
      class="rds-Card_1 "
  >
      <a href="https://www.ramseysolutions.com/retirement/how-to-become-a-millionaire" class="rds-Card-imageWrapper_1">
        


  <picture>
          <source
            srcset="https://cdn2.ramseysolutions.net/dynamic-webp/media/b2c/personalities/hogan/articles/how-to-become-a-millionaire/HowToMillionaire-OG.jpg/300w.webp 300w, https://cdn2.ramseysolutions.net/dynamic-webp/media/b2c/personalities/hogan/articles/how-to-become-a-millionaire/HowToMillionaire-OG.jpg/368w.webp 368w"
              media="(min-width: 75em)"
                sizes="(min-width: 75em) 368px"
            type="image/webp"
          >
        <source
            srcset="https://cdn2.ramseysolutions.net/dynamic/media/b2c/personalities/hogan/articles/how-to-become-a-millionaire/HowToMillionaire-OG.jpg/300w.jpg 300w, https://cdn2.ramseysolutions.net/dynamic/media/b2c/personalities/hogan/articles/how-to-become-a-millionaire/HowToMillionaire-OG.jpg/368w.jpg 368w"
            media="(min-width: 75em)"
              sizes="(min-width: 75em) 368px"
        >
          <source
            srcset="https://cdn2.ramseysolutions.net/dynamic-webp/media/b2c/personalities/hogan/articles/how-to-become-a-millionaire/HowToMillionaire-OG.jpg/300w.webp 300w, https://cdn2.ramseysolutions.net/dynamic-webp/media/b2c/personalities/hogan/articles/how-to-become-a-millionaire/HowToMillionaire-OG.jpg/402w.webp 402w"
              media="(min-width: 37.5em)"
                sizes="(min-width: 37.5em) 368px"
            type="image/webp"
          >
        <source
            srcset="https://cdn2.ramseysolutions.net/dynamic/media/b2c/personalities/hogan/articles/how-to-become-a-millionaire/HowToMillionaire-OG.jpg/300w.jpg 300w, https://cdn2.ramseysolutions.net/dynamic/media/b2c/personalities/hogan/articles/how-to-become-a-millionaire/HowToMillionaire-OG.jpg/402w.jpg 402w"
            media="(min-width: 37.5em)"
              sizes="(min-width: 37.5em) 368px"
        >
          <source
            srcset="https://cdn2.ramseysolutions.net/dynamic-webp/media/b2c/personalities/hogan/articles/how-to-become-a-millionaire/HowToMillionaire-OG.jpg/300w.webp 300w, https://cdn2.ramseysolutions.net/dynamic-webp/media/b2c/personalities/hogan/articles/how-to-become-a-millionaire/HowToMillionaire-OG.jpg/567w.webp 567w"
            type="image/webp"
          >
        <source
            srcset="https://cdn2.ramseysolutions.net/dynamic/media/b2c/personalities/hogan/articles/how-to-become-a-millionaire/HowToMillionaire-OG.jpg/300w.jpg 300w, https://cdn2.ramseysolutions.net/dynamic/media/b2c/personalities/hogan/articles/how-to-become-a-millionaire/HowToMillionaire-OG.jpg/567w.jpg 567w"
        >
    <img
      
      class=" "
      style="vertical-align: middle"
      src="https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/articles/how-to-become-a-millionaire/HowToMillionaire-OG.jpg"
      alt="How to Become a Millionaire"
        width="368"
        height="193"
        loading="lazy"
    >
  </picture>


      </a>
    <div class="rds-Card-content_1">
      <header class="rds-Card-header_1">
    <div class="rds-Card-categoryArea" style="margin-bottom: var(--rds-size-spacing-block-sm);">













  <span class="rds-Tag_2 rds-Tag--subtle_2 ">Investing & Retirement</span>
    </div>

        <h3 class="rds-Card-title_1">
          <a href="https://www.ramseysolutions.com/retirement/how-to-become-a-millionaire">How to Become a Millionaire</a>
        </h3>

          <div class="rds-Card-metadata_1">      <div style="display: flex; align-items: center; text-transform: uppercase;">











  <svg
      style="margin-right: var(--rds-size-spacing-block-xs);"
      focusable="false"
      aria-hidden="true"
      class="rds-Icon_2 "
      viewBox="0 0 24 24"
      xmlns="http://www.w3.org/2000/svg"
  >
    

    <use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-time-outlined" />
  </svg>
        10 min read
      </div>
</div>
      </header>

      <div class="rds-Card-body_1">
      <p style="margin-bottom: var(--rds-size-spacing-block-sm);">So you want to be a millionaire but aren’t sure how to get there? Find out what steps to take now to make millionaire status a reality. </p>












  <div
      class="rds-Stack_toolkit rds-Stack--smSpacing_toolkit "
  >
        <img style="border-radius: var(--rds-size-radius-full);"
             src="https://cdn2.ramseysolutions.net/dynamic/media/landing-pages/blog/author-bio-ramsey-large.jpg/48w.jpg"
             alt="Ramsey Solutions"
             height="48"
             width="48" />
        <span style="font-size: var(--rds-size-font-2); font-weight: var(--rds-font-weight-semibold); text-transform: uppercase;">
          Ramsey Solutions
        </span>
  </div>

      </div>

        <footer class="rds-Card-footer_1">











  <div
      class="rds-Stack_toolkit rds-Stack--centerHorizontalAlignment_toolkit rds-Stack--smSpacing_toolkit "
  >














  <a aria-label="Read How to Become a Millionaire"href="https://www.ramseysolutions.com/retirement/how-to-become-a-millionaire"class="rds-Button_5 rds-Button--ghost_5 rds-Button--fullWidthOnMobile_5 ">        Read Article
<svg
fill="currentColor"
class="rds-Button-icon_5 rds-Button-icon--right_5"
width="16"
height="16"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-arrow-right" />
</svg></a>
  </div>
        </footer>
    </div>
  </article>
</div>




      <style>
.rs-Card{align-content:stretch;border-radius:0;display:grid;grid-template-rows:auto 1fr;overflow:hidden;width:100%}@media(min-width:75em){.rs-Card-manualSizing--landscape{grid-template-columns:minmax(0,auto) 1fr;grid-template-rows:1fr}.rs-Card-autoSizing--landscape{grid-template-columns:minmax(0,50%) 1fr;grid-template-rows:1fr}}@media(min-width:37.5em){.rs-Card-manualSizing--landscapeMobile{grid-template-columns:minmax(0,auto) 1fr;grid-template-rows:1fr}.rs-Card-autoSizing--landscapeMobile{grid-template-columns:minmax(0,50%) 1fr;grid-template-rows:1fr}}.rs-Card-manualSizing--portraitMobile{grid-template-columns:minmax(0,auto) 1fr;grid-template-rows:1fr}@media(min-width:37.5em){.rs-Card-manualSizing--portraitMobile{grid-template-columns:none;grid-template-rows:auto 1fr}}.rs-Card-autoSizing--portraitMobile{grid-template-columns:minmax(0,50%) 1fr;grid-template-rows:1fr}@media(min-width:37.5em){.rs-Card-autoSizing--portraitMobile{grid-template-columns:none;grid-template-rows:auto 1fr}}.rs-Card-manualSizing--allLandscape{grid-template-columns:minmax(0,auto) 1fr;grid-template-rows:1fr}.rs-Card-autoSizing--allLandscape{grid-template-columns:minmax(0,50%) 1fr;grid-template-rows:1fr}.rs-Card-oneItem{grid-template-rows:auto}.rs-Card.cornerRadiusSmall{border-radius:4px}.rs-Card.cornerRadiusMedium{border-radius:8px}.rs-Card.cornerRadiusLarge{border-radius:16px}.cardPaddingSize--small .rs-Card-cardContent{padding:1rem}.cardPaddingSize--medium .rs-Card-cardContent{padding:1.5rem}.cardPaddingSize--large .rs-Card-cardContent{padding:2rem}.cardPaddingSize--extraLarge .rs-Card-cardContent{padding:2.5rem}.rs-Card-cardContent{display:flex;flex-direction:column;height:100%;margin:0;overflow-wrap:anywhere;width:100%}.rs-Card-cardContent.horizontalAlignLeft{text-align:start}.rs-Card-cardContent.horizontalAlignCenter{text-align:center}.rs-Card-cardContent.horizontalAlignRight{text-align:end}.rs-Card-cardTextContent,.rs-Card-footer{width:100%}.rs-Card-cardTextContent--verticalAlignTop{margin-bottom:auto}.rs-Card-cardTextContent--verticalAlignCenter{margin-bottom:auto;margin-top:auto}.rs-Card-cardTextContent--verticalAlignBottom{margin-top:auto}.rs-Card-image{height:100%;width:100%}.rs-Card-image--autoSizing{margin:0;object-fit:cover}.cardPaddingSize--small .rs-Card-image--portrait{margin:1rem 1rem 0}.cardPaddingSize--medium .rs-Card-image--portrait{margin:1.5rem 1.5rem 0}.cardPaddingSize--large .rs-Card-image--portrait{margin:2rem 2rem 0}.cardPaddingSize--extraLarge .rs-Card-image--portrait{margin:2.5rem 2.5rem 0}.rs-Card-image--portrait{max-height:100%;width:auto}.cardPaddingSize--small .rs-Card-image--portraitMobile{margin:1rem 0 1rem 1rem}.cardPaddingSize--medium .rs-Card-image--portraitMobile{margin:1.5rem 0 1.5rem 1.5rem}.cardPaddingSize--large .rs-Card-image--portraitMobile{margin:2rem 0 2rem 2rem}.cardPaddingSize--extraLarge .rs-Card-image--portraitMobile{margin:2.5rem 0 2.5rem 2.5rem}.rs-Card-image--portraitMobile{max-height:100%;width:auto}@media(min-width:37.5em){.cardPaddingSize--small .rs-Card-image--portraitMobile{margin:1rem 1rem 0}.cardPaddingSize--medium .rs-Card-image--portraitMobile{margin:1.5rem 1.5rem 0}.cardPaddingSize--large .rs-Card-image--portraitMobile{margin:2rem 2rem 0}.cardPaddingSize--extraLarge .rs-Card-image--portraitMobile{margin:2.5rem 2.5rem 0}}.cardPaddingSize--small .rs-Card-image--landscape{margin:1rem 1rem 0}.cardPaddingSize--medium .rs-Card-image--landscape{margin:1.5rem 1.5rem 0}.cardPaddingSize--large .rs-Card-image--landscape{margin:2rem 2rem 0}.cardPaddingSize--extraLarge .rs-Card-image--landscape{margin:2.5rem 2.5rem 0}@media(min-width:75em){.cardPaddingSize--small .rs-Card-image--landscape{margin:1rem 0 1rem 1rem}.cardPaddingSize--medium .rs-Card-image--landscape{margin:1.5rem 0 1.5rem 1.5rem}.cardPaddingSize--large .rs-Card-image--landscape{margin:2rem 0 2rem 2rem}.cardPaddingSize--extraLarge .rs-Card-image--landscape{margin:2.5rem 0 2.5rem 2.5rem}}.cardPaddingSize--small .rs-Card-image--landscapeMobile{margin:1rem 1rem 0}.cardPaddingSize--medium .rs-Card-image--landscapeMobile{margin:1.5rem 1.5rem 0}.cardPaddingSize--large .rs-Card-image--landscapeMobile{margin:2rem 2rem 0}.cardPaddingSize--extraLarge .rs-Card-image--landscapeMobile{margin:2.5rem 2.5rem 0}@media(min-width:37.5em){.cardPaddingSize--small .rs-Card-image--landscapeMobile{margin:1rem 0 1rem 1rem}.cardPaddingSize--medium .rs-Card-image--landscapeMobile{margin:1.5rem 0 1.5rem 1.5rem}.cardPaddingSize--large .rs-Card-image--landscapeMobile{margin:2rem 0 2rem 2rem}.cardPaddingSize--extraLarge .rs-Card-image--landscapeMobile{margin:2.5rem 0 2.5rem 2.5rem}}.cardPaddingSize--small .rs-Card-image--allLandscape{margin:1rem 0 1rem 1rem}.cardPaddingSize--medium .rs-Card-image--allLandscape{margin:1.5rem 0 1.5rem 1.5rem}.cardPaddingSize--large .rs-Card-image--allLandscape{margin:2rem 0 2rem 2rem}.cardPaddingSize--extraLarge .rs-Card-image--allLandscape{margin:2.5rem 0 2.5rem 2.5rem}.rs-Card-imageWrapper{flex-direction:row}.rs-Card-imageWrapper--manualSizing{height:50%;min-height:50%}.rs-Card-imageWrapper--horizontalAlignLeft{justify-content:flex-start}.rs-Card-imageWrapper--horizontalAlignCenter{justify-content:center}.rs-Card-imageWrapper--horizontalAlignRight{justify-content:flex-end}.rs-Card-imageWrapper--verticalAlignTop{align-items:flex-start}.rs-Card-imageWrapper--verticalAlignCenter{align-items:center}.rs-Card-imageWrapper--verticalAlignBottom{align-items:flex-end}.rs-Card-imageWrapper{display:flex;position:relative}.rs-Card-imageWrapper:is(a:focus,a:hover){opacity:.7}@media(max-width:37.4375em){.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacingHalf{margin-bottom:.25rem}.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacing1{margin-bottom:.5rem}.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacing2{margin-bottom:1rem}.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacing3{margin-bottom:1.5rem}.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacing4{margin-bottom:2rem}.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacing5{margin-bottom:2.5rem}.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacing6{margin-bottom:3rem}.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacing9{margin-bottom:4.5rem}.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacing12{margin-bottom:6rem}}@media(min-width:37.5em){.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacingHalf{margin-right:.25rem}.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacing1{margin-right:.5rem}.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacing2{margin-right:1rem}.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacing3{margin-right:1.5rem}.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacing4{margin-right:2rem}.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacing5{margin-right:2.5rem}.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacing6{margin-right:3rem}.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacing9{margin-right:4.5rem}.rs-Card-imageWrapper--landscapeMobile.rs-smartSpacing12{margin-right:6rem}}@media(max-width:37.4375em){.rs-Card-imageWrapper--landscape.rs-smartSpacingHalf{margin-bottom:.25rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing1{margin-bottom:.5rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing2{margin-bottom:1rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing3{margin-bottom:1.5rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing4{margin-bottom:2rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing5{margin-bottom:2.5rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing6{margin-bottom:3rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing9{margin-bottom:4.5rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing12{margin-bottom:6rem}}@media(min-width:37.5em)and (max-width:74.9375em){.rs-Card-imageWrapper--landscape.rs-smartSpacingHalf{margin-bottom:.25rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing1{margin-bottom:.5rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing2{margin-bottom:1rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing3{margin-bottom:1.5rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing4{margin-bottom:2rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing5{margin-bottom:2.5rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing6{margin-bottom:3rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing9{margin-bottom:4.5rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing12{margin-bottom:6rem}}@media(min-width:75em){.rs-Card-imageWrapper--landscape.rs-smartSpacingHalf{margin-right:.25rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing1{margin-right:.5rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing2{margin-right:1rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing3{margin-right:1.5rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing4{margin-right:2rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing5{margin-right:2.5rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing6{margin-right:3rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing9{margin-right:4.5rem}.rs-Card-imageWrapper--landscape.rs-smartSpacing12{margin-right:6rem}}.rs-Card-imageWrapper--allLandscape.rs-smartSpacingHalf{margin-right:.25rem}.rs-Card-imageWrapper--allLandscape.rs-smartSpacing1{margin-right:.5rem}.rs-Card-imageWrapper--allLandscape.rs-smartSpacing2{margin-right:1rem}.rs-Card-imageWrapper--allLandscape.rs-smartSpacing3{margin-right:1.5rem}.rs-Card-imageWrapper--allLandscape.rs-smartSpacing4{margin-right:2rem}.rs-Card-imageWrapper--allLandscape.rs-smartSpacing5{margin-right:2.5rem}.rs-Card-imageWrapper--allLandscape.rs-smartSpacing6{margin-right:3rem}.rs-Card-imageWrapper--allLandscape.rs-smartSpacing9{margin-right:4.5rem}.rs-Card-imageWrapper--allLandscape.rs-smartSpacing12{margin-right:6rem}.rs-Card-imageWrapper--portrait.rs-smartSpacingHalf{margin-bottom:.25rem}.rs-Card-imageWrapper--portrait.rs-smartSpacing1{margin-bottom:.5rem}.rs-Card-imageWrapper--portrait.rs-smartSpacing2{margin-bottom:1rem}.rs-Card-imageWrapper--portrait.rs-smartSpacing3{margin-bottom:1.5rem}.rs-Card-imageWrapper--portrait.rs-smartSpacing4{margin-bottom:2rem}.rs-Card-imageWrapper--portrait.rs-smartSpacing5{margin-bottom:2.5rem}.rs-Card-imageWrapper--portrait.rs-smartSpacing6{margin-bottom:3rem}.rs-Card-imageWrapper--portrait.rs-smartSpacing9{margin-bottom:4.5rem}.rs-Card-imageWrapper--portrait.rs-smartSpacing12{margin-bottom:6rem}@media(max-width:37.4375em){.rs-Card-imageWrapper--portraitMobile.rs-smartSpacingHalf{margin-right:.25rem}.rs-Card-imageWrapper--portraitMobile.rs-smartSpacing1{margin-right:.5rem}.rs-Card-imageWrapper--portraitMobile.rs-smartSpacing2{margin-right:1rem}.rs-Card-imageWrapper--portraitMobile.rs-smartSpacing3{margin-right:1.5rem}.rs-Card-imageWrapper--portraitMobile.rs-smartSpacing4{margin-right:2rem}.rs-Card-imageWrapper--portraitMobile.rs-smartSpacing5{margin-right:2.5rem}.rs-Card-imageWrapper--portraitMobile.rs-smartSpacing6{margin-right:3rem}.rs-Card-imageWrapper--portraitMobile.rs-smartSpacing9{margin-right:4.5rem}.rs-Card-imageWrapper--portraitMobile.rs-smartSpacing12{margin-right:6rem}}@media(min-width:37.5em){.rs-Card-imageWrapper--portraitMobile.rs-smartSpacingHalf{margin-bottom:.25rem}.rs-Card-imageWrapper--portraitMobile.rs-smartSpacing1{margin-bottom:.5rem}.rs-Card-imageWrapper--portraitMobile.rs-smartSpacing2{margin-bottom:1rem}.rs-Card-imageWrapper--portraitMobile.rs-smartSpacing3{margin-bottom:1.5rem}.rs-Card-imageWrapper--portraitMobile.rs-smartSpacing4{margin-bottom:2rem}.rs-Card-imageWrapper--portraitMobile.rs-smartSpacing5{margin-bottom:2.5rem}.rs-Card-imageWrapper--portraitMobile.rs-smartSpacing6{margin-bottom:3rem}.rs-Card-imageWrapper--portraitMobile.rs-smartSpacing9{margin-bottom:4.5rem}.rs-Card-imageWrapper--portraitMobile.rs-smartSpacing12{margin-bottom:6rem}}.rs-Card-imageWrapper--manualSizing{height:unset}.rs-Card-imageWrapper>a{display:block}.rs-Card-imageOverlay{left:50%;max-height:90%;max-width:90%;position:absolute;top:50%;transform:translate(-50%,-50%)}.rs-Card--allLandscape .rs-Card-imageWrapper,.rs-Card--landscape .rs-Card-imageWrapper,.rs-Card--landscapeMobile .rs-Card-imageWrapper{height:100%;position:relative}.rs-Card-subtitle{color:#69757a;font-size:14px;margin-bottom:16px;text-transform:uppercase}.rs-Card-bodyCopy{text-decoration:none}.rs-Card-articleLink{color:inherit;text-decoration:none}.rs-Card-articleLink:hover{color:#0073b9}.rs-Card .rs-Card-readTime{color:#69757a;font-size:14px;margin-bottom:16px;text-transform:uppercase}.rs-Card .rs-Card-readTime,.rs-Card-readTimeIcon{align-items:center;display:flex}.rs-Card-readTimePipe{margin:0 4px}.rs-Card-author{align-items:center;display:flex}.rs-Card .rs-Card-author{margin-bottom:8px}.rs-Card-authorImage img{border-radius:50%}.rs-Card-authorName{font-size:14px;font-weight:600;margin-left:16px;text-transform:uppercase}.rs-Card-episodeLink{color:inherit;text-decoration:none}.rs-Card-episodeTitle:hover{color:#0073b9;cursor:pointer}.rs-Card-episodeLink:hover{color:#0073b9}.rs-Card-releaseDate{color:#69757a;font-size:14px;margin-bottom:16px;text-transform:uppercase}.rs-ProductGroup.justifyContent{display:flex;flex-wrap:wrap;gap:24px;margin-bottom:24px}.rs-ProductGroup.horizontalAlignLeft{justify-content:flex-start}.rs-ProductGroup.horizontalAlignCenter{justify-content:center}.rs-Card-productName{color:#1f2426;text-decoration:none}.rs-Card-productName:hover{color:#495257}.rs-Card-starRating{max-height:48px}@media(min-width:112.5em){.rs-Card-productDisplay.rs-ProductGroup-wall-only--one{flex:0 1 100%}.rs-Card-productDisplay.rs-ProductGroup-wall-only--two{flex:0 1 calc(50% - 1.25rem)}.rs-Card-productDisplay.rs-ProductGroup-wall-only--three{flex:0 1 calc(33.333% - 1.75rem)}.rs-Card-productDisplay.rs-ProductGroup-wall-only--four{flex:0 1 calc(25% - 1.88rem)}}@media(min-width:75em)and (max-width:112.4375em){.rs-Card-productDisplay.rs-ProductGroup-desk-only--one{flex:0 1 100%}.rs-Card-productDisplay.rs-ProductGroup-desk-only--two{flex:0 1 calc(50% - 1.25rem)}.rs-Card-productDisplay.rs-ProductGroup-desk-only--three{flex:0 1 calc(33.333% - 1.75rem)}.rs-Card-productDisplay.rs-ProductGroup-desk-only--four{flex:0 1 calc(25% - 1.88rem)}}@media(min-width:56.25em)and (max-width:74.9375em){.rs-Card-productDisplay.rs-ProductGroup-lap-wide-only--one{flex:0 1 100%}.rs-Card-productDisplay.rs-ProductGroup-lap-wide-only--two{flex:0 1 calc(50% - 1.25rem)}.rs-Card-productDisplay.rs-ProductGroup-lap-wide-only--three{flex:0 1 calc(33.333% - 1.75rem)}.rs-Card-productDisplay.rs-ProductGroup-lap-wide-only--four{flex:0 1 calc(25% - 1.88rem)}}@media(min-width:37.5em)and (max-width:56.1875em){.rs-Card-productDisplay.rs-ProductGroup-lap-only--one{flex:0 1 100%}.rs-Card-productDisplay.rs-ProductGroup-lap-only--two{flex:0 1 calc(50% - 1.25rem)}.rs-Card-productDisplay.rs-ProductGroup-lap-only--three{flex:0 1 calc(33.333% - 1.75rem)}.rs-Card-productDisplay.rs-ProductGroup-lap-only--four{flex:0 1 calc(25% - 1.88rem)}}@media(max-width:37.4375em){.rs-Card-productDisplay.rs-ProductGroup-palm-only--one{flex:0 1 100%}.rs-Card-productDisplay.rs-ProductGroup-palm-only--two{flex:0 1 calc(50% - 1.25rem)}.rs-Card-productDisplay.rs-ProductGroup-palm-only--three{flex:0 1 calc(33.333% - 1.75rem)}.rs-Card-productDisplay.rs-ProductGroup-palm-only--four{flex:0 1 calc(25% - 1.88rem)}}.rs-Card-productDisplay{display:flex;flex-direction:column}.rs-Card-priceLink{text-decoration:none}.PriceSection{color:#0073b9;display:flex;flex-wrap:wrap;font-size:16px;justify-content:center}@media(min-width:37.5em){.PriceSection{font-size:18px}}.PriceSection-salePrice{display:inline-flex;font-weight:600;word-break:keep-all}.PriceSection-saleText--baseValue{font-size:24px;line-height:28px}@media(min-width:37.5em){.PriceSection-saleText--baseValue{font-size:34px;line-height:34px}}.PriceSection-saleText--cents{margin-right:8px}@media(min-width:37.5em){.PriceSection-saleText--cents{margin-right:24px}}.PriceSection-saleText--customValue{font-size:28px;line-height:34px}.PriceSection-listPrice{align-self:center;color:#495257;text-decoration:line-through;word-break:keep-all}@media(min-width:37.5em){.rs-CardGroup.twoColumns{grid-template-columns:repeat(auto-fit,minmax(450px,1fr))}.rs-CardGroup.threeColumns{grid-template-columns:repeat(auto-fit,minmax(360px,1fr))}.rs-CardGroup.fourColumns{grid-template-columns:repeat(auto-fit,minmax(264px,1fr))}.rs-CardGroup.fiveColumns{grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}.rs-CardGroup.sixColumns{grid-template-columns:repeat(auto-fit,minmax(160px,1fr))}}.rs-CardGroup{display:grid;gap:24px;margin-bottom:24px}.rs-CardGroup.oneColumn{grid-template-columns:1fr}@media(min-width:112.5em){.rs-CardGroup-advanced.wall-only--oneColumns{grid-template-columns:repeat(1,1fr)}.rs-CardGroup-advanced.wall-only--twoColumns{grid-template-columns:repeat(2,1fr)}.rs-CardGroup-advanced.wall-only--threeColumns{grid-template-columns:repeat(3,1fr)}.rs-CardGroup-advanced.wall-only--fourColumns{grid-template-columns:repeat(4,1fr)}.rs-CardGroup-advanced.wall-only--fiveColumns{grid-template-columns:repeat(5,1fr)}.rs-CardGroup-advanced.wall-only--sixColumns{grid-template-columns:repeat(6,1fr)}}@media(min-width:75em)and (max-width:112.4375em){.rs-CardGroup-advanced.desk-only--oneColumns{grid-template-columns:repeat(1,1fr)}.rs-CardGroup-advanced.desk-only--twoColumns{grid-template-columns:repeat(2,1fr)}.rs-CardGroup-advanced.desk-only--threeColumns{grid-template-columns:repeat(3,1fr)}.rs-CardGroup-advanced.desk-only--fourColumns{grid-template-columns:repeat(4,1fr)}.rs-CardGroup-advanced.desk-only--fiveColumns{grid-template-columns:repeat(5,1fr)}.rs-CardGroup-advanced.desk-only--sixColumns{grid-template-columns:repeat(6,1fr)}}@media(min-width:56.25em)and (max-width:74.9375em){.rs-CardGroup-advanced.lap-wide-only--oneColumns{grid-template-columns:repeat(1,1fr)}.rs-CardGroup-advanced.lap-wide-only--twoColumns{grid-template-columns:repeat(2,1fr)}.rs-CardGroup-advanced.lap-wide-only--threeColumns{grid-template-columns:repeat(3,1fr)}.rs-CardGroup-advanced.lap-wide-only--fourColumns{grid-template-columns:repeat(4,1fr)}.rs-CardGroup-advanced.lap-wide-only--fiveColumns{grid-template-columns:repeat(5,1fr)}.rs-CardGroup-advanced.lap-wide-only--sixColumns{grid-template-columns:repeat(6,1fr)}}@media(min-width:37.5em)and (max-width:56.1875em){.rs-CardGroup-advanced.lap-only--oneColumns{grid-template-columns:repeat(1,1fr)}.rs-CardGroup-advanced.lap-only--twoColumns{grid-template-columns:repeat(2,1fr)}.rs-CardGroup-advanced.lap-only--threeColumns{grid-template-columns:repeat(3,1fr)}.rs-CardGroup-advanced.lap-only--fourColumns{grid-template-columns:repeat(4,1fr)}.rs-CardGroup-advanced.lap-only--fiveColumns{grid-template-columns:repeat(5,1fr)}.rs-CardGroup-advanced.lap-only--sixColumns{grid-template-columns:repeat(6,1fr)}}@media(max-width:37.4375em){.rs-CardGroup-advanced.palm-only--oneColumns{grid-template-columns:repeat(1,1fr)}.rs-CardGroup-advanced.palm-only--twoColumns{grid-template-columns:repeat(2,1fr)}.rs-CardGroup-advanced.palm-only--threeColumns{grid-template-columns:repeat(3,1fr)}.rs-CardGroup-advanced.palm-only--fourColumns{grid-template-columns:repeat(4,1fr)}.rs-CardGroup-advanced.palm-only--fiveColumns{grid-template-columns:repeat(5,1fr)}.rs-CardGroup-advanced.palm-only--sixColumns{grid-template-columns:repeat(6,1fr)}}.rs-CardGroup.spaceBetweenCards--medium{gap:40px}.rs-CardGroup.spaceBetweenCards--large{gap:48px}@media(min-width:37.5em){.rs-CardGroup.spaceBetweenCards--extraLarge.twoColumns{grid-template-columns:repeat(auto-fit,minmax(450px,1fr))}.rs-CardGroup.spaceBetweenCards--extraLarge.threeColumns{grid-template-columns:repeat(auto-fit,minmax(352px,1fr))}.rs-CardGroup.spaceBetweenCards--extraLarge.fourColumns{grid-template-columns:repeat(auto-fit,minmax(246px,1fr))}.rs-CardGroup.spaceBetweenCards--extraLarge.fiveColumns{grid-template-columns:repeat(auto-fit,minmax(182px,1fr))}.rs-CardGroup.spaceBetweenCards--extraLarge.sixColumns{grid-template-columns:repeat(auto-fit,minmax(140px,1fr))}}.rs-CardGroup.spaceBetweenCards--extraLarge{gap:72px}.in-modeDark .rs-CardGroup,.rs-CardGroup.in-modeDark{color:#fff}      </style>

    
</div>





<div
  
  class="
    gzl-Block gzl-Block--large
    u-spacingStackNone u-textAlignCenter
    
  "
  
>




<div
  
  class="
    
    
  "
  
>


      <style>
/*!*****************************************************************************************************************************************************************************************************************************************************************************************!*\
  !*** css ../../../../node_modules/css-loader/dist/cjs.js??ruleSet[1].rules[0].use[1]!../../../../node_modules/postcss-loader/dist/cjs.js??ruleSet[1].rules[0].use[2]!../../../../node_modules/sass-loader/dist/cjs.js??ruleSet[1].rules[0].use[3]!./sass/components/stack/stack_1.scss ***!
  \*****************************************************************************************************************************************************************************************************************************************************************************************/
.rds-Stack_1 {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  justify-content: flex-start;
  margin-top: -16px;
  margin-left: -16px;
}

.rds-Stack_1 > * {
  margin-top: 16px;
  margin-left: 16px;
  max-width: calc(100% - 15px);
}

.rds-Stack--smallSpacing_1 {
  margin-top: -4px;
  margin-left: -4px;
}

.rds-Stack--smallSpacing_1 > * {
  margin-top: 4px;
  margin-left: 4px;
  max-width: calc(100% - 3px);
}

.rds-Stack--largeSpacing_1 {
  margin-top: -32px;
  margin-left: -32px;
}

.rds-Stack--largeSpacing_1 > * {
  margin-top: 32px;
  margin-left: 32px;
  max-width: calc(100% - 31px);
}

.rds-Stack--topVerticalAlignment_1 {
  align-items: flex-start;
}

.rds-Stack--bottomVerticalAlignment_1 {
  align-items: flex-end;
}

.rds-Stack--centerHorizontalAlignment_1 {
  justify-content: center;
}

.rds-Stack--rightHorizontalAlignment_1 {
  justify-content: flex-end;
}

.rds-Stack--vertical_1 {
  align-items: flex-start;
  flex-direction: column;
  justify-content: center;
  margin-left: 0px;
}

.rds-Stack--vertical_1 > * {
  margin-left: 0px;
  max-width: 100%;
}

.rds-Stack--vertical_1.rds-Stack--topVerticalAlignment_1 {
  justify-content: flex-start;
}

.rds-Stack--vertical_1.rds-Stack--bottomVerticalAlignment_1 {
  justify-content: flex-end;
}

.rds-Stack--vertical_1.rds-Stack--centerHorizontalAlignment_1 {
  align-items: center;
}

.rds-Stack--vertical_1.rds-Stack--rightHorizontalAlignment_1 {
  align-items: flex-end;
}

.rds-Stack--noWrap_1 {
  flex-wrap: nowrap;
}



/*# sourceMappingURL=stack_1.min.css.map*/      </style>

    









  <div
      style="display: inline-flex"
      class="rds-Stack_1 "
  >







  <a
    href="https://www.ramseysolutions.com/retirement"
    
    
    class="
      gds-Button gds-Button--comfortable
      gzl-Button gzl-Button--comfortable
      
      
      
    "
  >


      See All Resources
  </a>
  </div>
</div>
</div>

    </div>
  </div>






  <div
    
    data-mgnl-id="97a3e132-8211-46f9-8774-7818ced29f0b"
    class="gzl-Slice gzl-Slice--small
      
      u-hide@palmOnly u-hide@lapOnly u-hide@deskOnly u-hide@lapWideOnly u-hide@wallOnly
       "
      
  >






    <div class="gzl-Slice-container">




<div
  
  class="
    gzl-Block gzl-Block--large
    u-spacingStackNone u-textAlignCenter
    
  "
  
>




<div
  
  class="
    
    
  "
  
>











  <div
      style="display: inline-flex"
      class="rds-Stack_1 "
  >







  <a
    href="https://www.ramseysolutions.com/retirement"
    
    
    class="
      gds-Button gds-Button--comfortable
      gzl-Button gzl-Button--comfortable
      
      
      
    "
  >


      See All Resources
  </a>
  </div>
</div>
</div>

    </div>
  </div>






  <div
    
    data-mgnl-id="ed1bb980-3228-40cc-9344-99a4caf51da7"
    class="gzl-Slice gzl-Slice--large
      in-modeDark
      u-hide@lapWideOnly u-hide@deskOnly u-hide@wallOnly
       "
      
  >




<style>
[data-mgnl-id="ed1bb980-3228-40cc-9344-99a4caf51da7"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/ramsey-personalities/z-team-files/5-misc/chris-hogan/RIQ-palm2.jpg') bottom center / cover no-repeat, linear-gradient(#df4b0d, #df4b0d) no-repeat, #faab19;
}
@media only screen and (min-width: 37.5em) {
[data-mgnl-id="ed1bb980-3228-40cc-9344-99a4caf51da7"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/ramsey-personalities/z-team-files/5-misc/chris-hogan/RIQ-tablet2.jpg') top center / cover no-repeat, linear-gradient(#df4b0d, #df4b0d) no-repeat, #e66f20;
}
}
@media only screen and (min-width: 56.25em) {
[data-mgnl-id="ed1bb980-3228-40cc-9344-99a4caf51da7"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/ramsey-personalities/z-team-files/5-misc/chris-hogan/RIQ-lapwide2.jpg') top center / cover no-repeat, linear-gradient(#df4b0d, #df4b0d) no-repeat, #e66f20;
}
}
@media only screen and (min-width: 75em) {
[data-mgnl-id="ed1bb980-3228-40cc-9344-99a4caf51da7"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/ramsey-personalities/z-team-files/5-misc/chris-hogan/RIQ-desk2.jpg') top center / cover no-repeat, linear-gradient(#df4b0d, #df4b0d) no-repeat, #e66f20;
}
}
@media only screen and (min-width: 112.5em) {
[data-mgnl-id="ed1bb980-3228-40cc-9344-99a4caf51da7"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/ramsey-personalities/z-team-files/5-misc/chris-hogan/RIQ-desk2.jpg') top center / cover no-repeat, linear-gradient(#df4b0d, #df4b0d) no-repeat, #e66f20;
}
}
</style>

    <div class="gzl-Slice-container">




  <div
    
    class="
      gzl-Spread gzl-Spread--stackContentFirst
      
      
    "
    
  >



<div class="
  gzl-Spread-contentContainer
  u-textAlignCenter u-textColorModeDark
">


<div
  
  class="u-spacingStackNone"
  
>
  
</div>


<h3
  
  class="u-textAlignCenter u-textColorModeDark u-typesetDisplaySmall u-spacingStack2"
  
>
  Simplify Retirement
</h3>


<div
  
  class="u-spacingStack4 u-textAlignCenter u-typesetBodyLarge"
  
>
  <p>Use our free calculator to find out exactly how much money you&rsquo;ll need to live your retirement dreams.&nbsp;</p>

</div>







<form
  id="email-subscription-form-f00a2d89-b76b-42fa-b541-351f404f9937"
  accept-charset="UTF-8"
  method="POST"
  action="#email-subscription-form-f00a2d89-b76b-42fa-b541-351f404f9937"
  class="gds-InlineForm gzl-InlineForm u-alignSelf-center--palm u-alignSelf-flexStart--lap-wide "


  data-analytics-form
  data-analytics-form-module-type="registration:id"
  data-analytics-form-module-category="email"
  data-analytics-form-module-label="chris-hogan-newsletter"
  
>
  <input type="hidden" name="lampoFormId" value="f00a2d89-b76b-42fa-b541-351f404f9937">
  <input type="hidden" name="trigger_key" value="">
  <input type="hidden" name="journey_key" value="">
  <input type="hidden" name="list_keys" value="chris-hogan-newsletter">
  <input type="hidden" name="interested_in" value="hogan:riq-tool">

  <label
    for="email-subscription-form-f00a2d89-b76b-42fa-b541-351f404f9937-email"
    class="gds-u-visuallyHidden u-visuallyHidden"
  >
    email address
  </label>



  <div class="gds-InlineForm-control gzl-InlineForm-control in-modeMergeable in-modeComfortable">
  <div
    class="
      gds-Input
      gzl-Input
      
      
    "
  >

    <input placeholder="email address" autocomplete="email" autocorrect="off" spellcheck="false" type="email" required="required" id="email-subscription-form-f00a2d89-b76b-42fa-b541-351f404f9937-email" name="email">

  </div>

  <button
    
    
    type="submit"
    class="
      gds-Button
      gzl-Button
      
      
      g-recaptcha
    "
  >


      Get My R:IQ
  </button>
  </div>



    <div class="u-typesetBodySmall">
      By submitting this form you are agreeing to the Ramsey Solutions
        <a href="https://policies.ramseysolutions.net/terms-of-use">Terms of Service</a> and
        <a href="https://policies.ramseysolutions.net/privacy-policy">Privacy Policy</a>.
    </div>
    <div class="recaptcha-holder" data-sitekey="6LdONboUAAAAAGyFtiQr4Z1aqHc8dfCeJrkPBpDK"></div>

      <script src="/.resources/magnolia-template-ramsey-forms/assets/dist/js/recaptchaV2.min~2026-06-05-21-15-30-000~cache.js" async></script>

    
</form>
</div>
<div class="gzl-Spread-mediaContainer">
  





    <picture>
      <source srcset="https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/hero/1220/spacer-10.png"
              media="only screen and (min-width: 37.5em)">
    <img
      
      
      class="
        
        
      "
      style="vertical-align: middle"
      src="https://cdn.ramseysolutions.net/media/b2c/personalities/hogan/web/home/hero/1220/spacer-5.png"
      alt=""
      loading="eager"
    >
    </picture>
  
</div>
  </div>

    </div>
  </div>






  <div
    
    data-mgnl-id="6c6a2589-dbd7-4dab-81c2-d2e7cebd931f"
    class="gzl-Slice gzl-Slice--large
      in-modeDark
      u-hide@palmOnly u-hide@lapOnly
       "
      
  >




<style>
[data-mgnl-id="6c6a2589-dbd7-4dab-81c2-d2e7cebd931f"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/ramsey-personalities/z-team-files/5-misc/chris-hogan/RIQ-desk2.jpg') bottom / contain no-repeat, linear-gradient(#f08e28, #f08e28) no-repeat, #faab19;
}
@media only screen and (min-width: 37.5em) {
[data-mgnl-id="6c6a2589-dbd7-4dab-81c2-d2e7cebd931f"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/ramsey-personalities/z-team-files/5-misc/chris-hogan/RIQ-desk2.jpg') bottom 72% left 55% / cover no-repeat, linear-gradient(#f08e28, #f08e28) no-repeat, #e66f20;
}
}
@media only screen and (min-width: 56.25em) {
[data-mgnl-id="6c6a2589-dbd7-4dab-81c2-d2e7cebd931f"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/ramsey-personalities/z-team-files/5-misc/chris-hogan/RIQ-desk2.jpg') bottom center / cover no-repeat, linear-gradient(#f08e28, #f08e28) no-repeat, #e66f20;
}
}
@media only screen and (min-width: 75em) {
[data-mgnl-id="6c6a2589-dbd7-4dab-81c2-d2e7cebd931f"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/ramsey-personalities/z-team-files/5-misc/chris-hogan/RIQ-desk2.jpg') bottom center / cover no-repeat, linear-gradient(#f08e28, #f08e28) no-repeat, #e66f20;
}
}
@media only screen and (min-width: 112.5em) {
[data-mgnl-id="6c6a2589-dbd7-4dab-81c2-d2e7cebd931f"] {
background: url('https://cdn.ramseysolutions.net/media/b2c/ramsey-personalities/z-team-files/5-misc/chris-hogan/RIQ-desk2.jpg') top center / cover no-repeat, linear-gradient(#f08e28, #f08e28) no-repeat, #e66f20;
}
}
</style>

    <div class="gzl-Slice-container">




  <div
    
    class="
      gzl-Spread gzl-Spread--verticalAlignCenter
      
      
    "
    
  >



<div class="
  gzl-Spread-contentContainer
  u-textAlignLeft u-textColorModeDark
">


<h3
  
  class="u-textColorModeDark u-typesetDisplaySmall u-spacingStack2"
  
>
  Simplify Retirement
</h3>


<div
  
  class="u-spacingStack4 u-typesetBodyLarge"
  
>
  <p>Use our free calculator to find out exactly how much money you&rsquo;ll need to live your retirement dreams.&nbsp;</p>

</div>







<form
  id="email-subscription-form-07c74bc1-39a2-4f22-a313-34bc2f2abc62"
  accept-charset="UTF-8"
  method="POST"
  action="#email-subscription-form-07c74bc1-39a2-4f22-a313-34bc2f2abc62"
  class="gds-InlineForm gzl-InlineForm u-alignSelf-center--palm u-alignSelf-flexStart--lap-wide "


  data-analytics-form
  data-analytics-form-module-type="registration:id"
  data-analytics-form-module-category="email"
  data-analytics-form-module-label="chris-hogan-newsletter"
  
>
  <input type="hidden" name="lampoFormId" value="07c74bc1-39a2-4f22-a313-34bc2f2abc62">
  <input type="hidden" name="trigger_key" value="">
  <input type="hidden" name="journey_key" value="">
  <input type="hidden" name="list_keys" value="chris-hogan-newsletter">
  <input type="hidden" name="interested_in" value="hogan:riq-tool">

  <label
    for="email-subscription-form-07c74bc1-39a2-4f22-a313-34bc2f2abc62-email"
    class="gds-u-visuallyHidden u-visuallyHidden"
  >
    email address
  </label>



  <div class="gds-InlineForm-control gzl-InlineForm-control in-modeMergeable in-modeComfortable">
  <div
    class="
      gds-Input
      gzl-Input
      
      
    "
  >

    <input placeholder="email address" autocomplete="email" autocorrect="off" spellcheck="false" type="email" required="required" id="email-subscription-form-07c74bc1-39a2-4f22-a313-34bc2f2abc62-email" name="email">

  </div>

  <button
    
    
    type="submit"
    class="
      gds-Button
      gzl-Button
      
      
      g-recaptcha
    "
  >


      Get My R:IQ
  </button>
  </div>



    <div class="u-typesetBodySmall">
      By submitting this form you are agreeing to the Ramsey Solutions
        <a href="https://policies.ramseysolutions.net/terms-of-use">Terms of Service</a> and
        <a href="https://policies.ramseysolutions.net/privacy-policy">Privacy Policy</a>.
    </div>
    <div class="recaptcha-holder" data-sitekey="6LdONboUAAAAAGyFtiQr4Z1aqHc8dfCeJrkPBpDK"></div>

</form>
</div>
<div class="gzl-Spread-mediaContainer">
  
</div>
  </div>

    </div>
  </div>






  <div
    
    data-mgnl-id="b8c002b7-d033-483e-bd9c-98f91c240de4"
    class="gzl-Slice
      
      
       "
      
  >






    <div class="gzl-Slice-container">

<div
  
  class="
    gzl-Block
    
    
  "
  
>
</div>
    </div>
  </div>

    </main>




      <style>
.rs-CookieBanner{background-color:#e8eced;bottom:0;box-shadow:0 8px 24px 0 rgba(31,36,38,.18);left:0;position:fixed;width:100%;z-index:10000000000}.rs-CookieBanner--hidden{display:none}.rs-CookieBanner-content{align-items:center;display:flex;flex-direction:column;padding:8px}@media screen and (min-width:56.25em){.rs-CookieBanner-content{align-items:center;flex-direction:row;padding:16px}}.rs-CookieBanner-text{font-size:12px!important;margin-bottom:8px;margin-top:32px}@media screen and (min-width:56.25em){.rs-CookieBanner-text{flex:10;margin:0}}.rs-CookieBanner-close{position:absolute;right:8px;top:8px}@media screen and (min-width:56.25em){.rs-CookieBanner-close{display:flex;flex:1;justify-content:end;position:unset}}.rs-SiteFooter{display:flex;flex-wrap:wrap;margin:auto;max-width:1232px;padding:32px 16px}.rs-SiteFooter-company{align-items:baseline;display:block;flex:1 0 100%;flex-wrap:wrap;justify-content:space-between;text-align:center}@media screen and (min-width:75em){.rs-SiteFooter-company{display:flex}}.rs-SiteFooter-legal{align-items:baseline;border-top:1px solid #d5d9db;color:#1f2426;display:block;flex:1 0 100%;flex-wrap:wrap;font-size:14px;justify-content:space-between;padding:24px 0;text-align:center}@media screen and (min-width:56.25em){.rs-SiteFooter-legal{display:flex}}.rs-SiteFooter-listItem{list-style-type:none;padding:4px 8px}.rs-SiteFooter-listItem:first-child{padding-left:0}.rs-SiteFooter-listItem:last-child{padding-right:0}.rs-SiteFooter-linkList{display:flex;flex-wrap:wrap;justify-content:center;margin-bottom:8px;padding:0}.rs-SiteFooter-link{color:#1f2426}.rs-SiteFooter-policyLinks .rs-SiteFooter-listItem{position:relative}.rs-SiteFooter-primaryLinks{color:#0073b9;flex-wrap:wrap;font-size:14px;margin-bottom:24px}      </style>

    

<div id="rs-cookie-banner" class="rs-CookieBanner rs-CookieBanner--hidden">
  <div class="rs-CookieBanner-content">


      <style>
.rds-RichText_2{color:#1f2426;font-family:canada-type-gibson,Arial,sans-serif;font-size:18px;font-style:normal;font-weight:400;letter-spacing:normal;line-height:1.5;text-shadow:none;text-transform:none}.rds-RichText_2 sub,.rds-RichText_2 sup{font-size:.875em;line-height:0}.rds-RichText_2 sup{top:auto;vertical-align:super}.rds-RichText_2 sub{bottom:auto;vertical-align:sub}.rds-RichText_2>*{margin-bottom:24px;margin-top:24px}@media screen and (min-width:37.5em){.rds-RichText_2>*{margin-bottom:32px;margin-top:32px}}.rds-RichText_2 :first-child{margin-top:0}.rds-RichText_2 :last-child{margin-bottom:0}.rds-RichText_2 div,.rds-RichText_2 ol,.rds-RichText_2 p,.rds-RichText_2 ul{margin-bottom:16px;margin-top:0}.rds-RichText_2 ol,.rds-RichText_2 ul{margin-left:32px;padding:0}.rds-RichText_2 ul{list-style-type:disc}.rds-RichText_2 ol{list-style-type:decimal}.rds-RichText_2 b,.rds-RichText_2 strong{font-weight:600}.rds-RichText_2 em,.rds-RichText_2 i{font-style:italic}.rds-RichText_2 h2,.rds-RichText_2 h3,.rds-RichText_2 h4,.rds-RichText_2 h5,.rds-RichText_2 h6{color:#1f2426;font-family:canada-type-gibson,Arial,sans-serif;font-size:24px;font-weight:600;line-height:1.25;margin-bottom:8px}.rds-RichText_2 h2 a,.rds-RichText_2 h3 a,.rds-RichText_2 h4 a,.rds-RichText_2 h5 a,.rds-RichText_2 h6 a{color:inherit;text-decoration:none}.rds-RichText_2 h2 a:hover,.rds-RichText_2 h3 a:hover,.rds-RichText_2 h4 a:hover,.rds-RichText_2 h5 a:hover,.rds-RichText_2 h6 a:hover{color:#495257}.rds-RichText_2 h2{font-size:28px}@media screen and (min-width:37.5em){.rds-RichText_2 h2{font-size:34px}}.rds-RichText_2 h4{font-size:20px}.rds-RichText_2 h5,.rds-RichText_2 h6{font-size:18px}.rds-RichText_2 a{color:#0073b9;text-decoration:underline}.rds-RichText_2 a:hover{color:#005b98}.rds-RichText_2 table{border-collapse:collapse;border-spacing:0;color:#1f2426;line-height:1.25;margin-left:auto;margin-right:auto;width:100%;width:auto}.rds-RichText_2 table tbody tr,.rds-RichText_2 table thead tr{border-bottom:1px solid #b6bec2}.rds-RichText_2 table tfoot tr{border-top:1px solid #b6bec2}.rds-RichText_2 table tbody tr:last-of-type{border-bottom:0}.rds-RichText_2 table td,.rds-RichText_2 table th{padding:16px}.rds-RichText_2 table tfoot td,.rds-RichText_2 table th{font-weight:600}.rds-RichText_2 table table,.rds-RichText_2 table td,.rds-RichText_2 table th,.rds-RichText_2 table tr{border:1px solid #b6bec2}.rds-RichText_2 table tbody tr{border:0}.rds-RichText_2 table tbody tr:nth-child(2n){background-color:rgba(232,236,237,.44)}.rds-RichText_2 blockquote{border-bottom:2px solid #0073b9;border-top:2px solid #0073b9;margin-left:0;margin-right:0;padding:16px 0;text-align:center}.rds-RichText_2 blockquote,.rds-RichText_2 blockquote>*{color:var(--rds-heading-brand-color,#0073b9);font-size:20px;font-weight:600;line-height:1.5}.rds-RichText_2 blockquote a:hover,.rds-RichText_2 blockquote>* a:hover{color:var(--rds-heading-brand-interactive-color,#005b98)}@media screen and (min-width:37.5em){.rds-RichText_2 blockquote,.rds-RichText_2 blockquote>*{font-size:24px}}.rds-RichText_2 hr{background-color:#b6bec2;border:0;height:1px}.rds-RichText--lineHeightMedium_2{line-height:1.25}.rds-RichText--small_2{font-size:16px}.rds-RichText--small_2 sub,.rds-RichText--small_2 sup{font-size:12px}.rds-RichText--small_2 table td,.rds-RichText--small_2 table th{font-size:16px;padding:12px}.rds-RichText--large_2{font-size:20px}.rds-RichText--large_2 sub,.rds-RichText--large_2 sup{font-size:16px}.rds-RichText--large_2 table td,.rds-RichText--large_2 table th{font-size:20px;padding:24px}.rds-RichText_2.on-darkCanvas,.rds-RichText_2.on-darkCanvas h2,.rds-RichText_2.on-darkCanvas h3,.rds-RichText_2.on-darkCanvas h4,.rds-RichText_2.on-darkCanvas h5,.rds-RichText_2.on-darkCanvas h6{color:#fff}.rds-RichText_2.on-darkCanvas h2 a:hover,.rds-RichText_2.on-darkCanvas h3 a:hover,.rds-RichText_2.on-darkCanvas h4 a:hover,.rds-RichText_2.on-darkCanvas h5 a:hover,.rds-RichText_2.on-darkCanvas h6 a:hover{color:#f5f7f8}.rds-RichText_2.on-darkCanvas a,.rds-RichText_2.on-darkCanvas a:hover{color:#fff}.rds-RichText_2.on-darkCanvas blockquote{border-color:#fff;color:#fff}.rds-RichText_2.on-darkCanvas blockquote a:hover{color:#f5f7f8}.rds-RichText_2.on-darkCanvas blockquote>*{color:#fff}.rds-RichText_2.on-darkCanvas blockquote>* a:hover{color:#f5f7f8}.rds-RichText_2.on-darkCanvas hr{background-color:#fff}.rds-RichText_2 pre{font-family:canada-type-gibson,Arial,sans-serif}      </style>

    





  <div
      class="rds-RichText_2 rds-RichText--lineHeightMedium_2 rds-RichText--small_2 rs-CookieBanner-text"
  >
      <p>By continuing on our site, you consent to our use of cookies and other tracking technologies as explained in our Privacy Policy, and agree to our Terms of Use.&nbsp;<a aria-label="" href="https://www.ramseysolutions.com/company/policies/privacy-policy#tracking-preferences">Privacy Policy</a> and <a href="https://www.ramseysolutions.com/company/policies/terms-of-use">Terms of Use</a>.</p>

  </div>
    <div class="rs-CookieBanner-close">














  <button id="cookie-banner-close-button"aria-label="Close cookie banner"type="button"class="rds-Button_5 rds-Button--neutralSubtle_5 rds-Button--small_5 rds-Button--iconOnly_5 "><svg
fill="currentColor"
class="rds-Button-icon_5"
width="14"
height="14"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-close" />
</svg></button>
    </div>
  </div>
</div>

      <script src="/.resources/magnolia-template-ramseysolutions/assets/dist/js/cookieBanner.min~2026-06-04-13-39-44-000~cache.js" async></script>

    


<footer class="rs-SiteFooter" role="contentinfo" data-analytics-navigation-footer data-elastic-exclude>
  <div class="rs-SiteFooter-company">
    <a href="https://www.ramseysolutions.com" class="rs-SiteFooter-logo">
      <img
        class="u-spacingBlockLg"
        style="vertical-align: middle"
        alt="Ramsey Solutions"
        src='https://cdn.ramseysolutions.net/media/rscom/logos/flat-blue-50-ramsey-logo.svg'
        width="222"
        height="40"
      />
    </a>

    <ul class="rs-SiteFooter-primaryLinks rs-SiteFooter-linkList">
        <li class="rs-SiteFooter-listItem">











  <a href="https://www.ramseysolutions.com/get-started"class="rds-Link_toolkit rds-Link--small_toolkit rs-SiteFooter-link">            Get Started
</a>
        </li>
        <li class="rs-SiteFooter-listItem">











  <a href="https://www.ramseysolutions.com/company/careers"class="rds-Link_toolkit rds-Link--small_toolkit rs-SiteFooter-link">            Careers
</a>
        </li>
        <li class="rs-SiteFooter-listItem">











  <a href="https://help.ramseysolutions.com/hc/en-us"class="rds-Link_toolkit rds-Link--small_toolkit rs-SiteFooter-link">            Contact Us
</a>
        </li>
        <li class="rs-SiteFooter-listItem">











  <a href="https://www.ramseysolutions.com/newsletter"class="rds-Link_toolkit rds-Link--small_toolkit rs-SiteFooter-link">            Newsletter
</a>
        </li>
        <li class="rs-SiteFooter-listItem">











  <a href="https://www.ramseysolutions.com/company/newsroom"class="rds-Link_toolkit rds-Link--small_toolkit rs-SiteFooter-link">            Newsroom
</a>
        </li>
        <li class="rs-SiteFooter-listItem">











  <a href="https://www.ramseysolutions.com/company/ramsey-press"class="rds-Link_toolkit rds-Link--small_toolkit rs-SiteFooter-link">            Ramsey Press
</a>
        </li>
        <li class="rs-SiteFooter-listItem">











  <a href="https://www.ramseysolutions.com/about"class="rds-Link_toolkit rds-Link--small_toolkit rs-SiteFooter-link">            About
</a>
        </li>
    </ul>












  <div
      class="rds-Stack_toolkit rds-Stack--centerHorizontalAlignment_toolkit u-spacingBlockLg"
  >














  <a target="_blank"aria-label="Facebook"href="https://www.facebook.com/daveramsey"class="rds-Button_5 rds-Button--subtle_5 rds-Button--iconOnly_5 "><svg
fill="currentColor"
class="rds-Button-icon_5"
width="16"
height="16"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-facebook" />
</svg></a>














  <a target="_blank"aria-label="X (Twitter)"href="https://www.twitter.com/daveramsey"class="rds-Button_5 rds-Button--subtle_5 rds-Button--iconOnly_5 "><svg
fill="currentColor"
class="rds-Button-icon_5"
width="16"
height="16"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-x" />
</svg></a>














  <a target="_blank"aria-label="YouTube"href="https://www.youtube.com/c/TheRamseyShow"class="rds-Button_5 rds-Button--subtle_5 rds-Button--iconOnly_5 "><svg
fill="currentColor"
class="rds-Button-icon_5"
width="16"
height="16"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-youtube" />
</svg></a>














  <a target="_blank"aria-label="Instagram"href="https://www.instagram.com/daveramsey"class="rds-Button_5 rds-Button--subtle_5 rds-Button--iconOnly_5 "><svg
fill="currentColor"
class="rds-Button-icon_5"
width="16"
height="16"
aria-hidden="true"
focusable="false"
viewBox="0 0 24 24"
xmlns="http://www.w3.org/2000/svg"
>
<use href="/.resources/magnolia-ramseysolutions-toolkit/assets/dist/img/icons/ramsey-icons.svg#icon-instagram" />
</svg></a>
  </div>
  </div>

  <div class="rs-SiteFooter-legal">
    <ul class="rs-SiteFooter-policyLinks rs-SiteFooter-linkList">
        <li class="rs-SiteFooter-listItem">











  <a href="https://www.ramseysolutions.com/company/policies/debit-card-policy"class="rds-Link_toolkit rds-Link--small_toolkit rs-SiteFooter-link">            Debit Card Policy
</a>
        </li>
        <li class="rs-SiteFooter-listItem">











  <a href="https://www.ramseysolutions.com/company/policies/privacy-policy"class="rds-Link_toolkit rds-Link--small_toolkit rs-SiteFooter-link">            Privacy Policy
</a>
        </li>
        <li class="rs-SiteFooter-listItem">











  <a href="https://www.ramseysolutions.com/company/policies/privacy-policy#ccpa"class="rds-Link_toolkit rds-Link--small_toolkit rs-SiteFooter-link">            Your Privacy Rights
</a>
        </li>
        <li class="rs-SiteFooter-listItem">











  <a href="https://www.ramseysolutions.com/company/policies/privacy-policy#do-not-track"class="rds-Link_toolkit rds-Link--small_toolkit rs-SiteFooter-link">            Do Not Sell or Share
</a>
        </li>
        <li class="rs-SiteFooter-listItem">











  <a href="https://www.ramseysolutions.com/company/policies/terms-of-use"class="rds-Link_toolkit rds-Link--small_toolkit rs-SiteFooter-link">            Terms of Use
</a>
        </li>
        <li class="rs-SiteFooter-listItem">











  <a href="https://www.ramseysolutions.com/company/policies/accessibility"class="rds-Link_toolkit rds-Link--small_toolkit rs-SiteFooter-link">            Accessibility
</a>
        </li>
        <li class="rs-SiteFooter-listItem">











  <a href="https://www.ramseysolutions.com/company/policies/editorial-guidelines"class="rds-Link_toolkit rds-Link--small_toolkit rs-SiteFooter-link">            Editorial Guidelines
</a>
        </li>
    </ul>

    <p class="rs-SiteFooter-copyright">
      &#169;2026 Lampo Licensing, LLC. All rights reserved.
    </p>
  </div>
</footer>





<script>
  let dataLayer = {
    'contentTaxonomies': ['/money-spoke/retirement'],
    'pageType': 'Marketing Page'
  };
  window.gtmDataLayer = window.gtmDataLayer || [];
  gtmDataLayer.push(dataLayer);
</script>



  </body>
</html>
