With all the letters that health insurance companies toss around, you'd think they're selling alphabet soup. All the PPO, FSA, MD, HSA and HMO can make your head spin, baby, but you better have your plans in place. You may think you don't have time to get all your health insurance ducks in a row, but you'll wish you did if you wrap your car around a tree and take a one-way trip to Brokeville after you can't make the payments on your doc bills. But don't just buy some policy; find out what's right for you. That's where Dave Ramsey's Endorsed Local Providers come in.

Take it from me; the place where you can get some serious help in this department is with Dave Ramsey's ELPs (more alphabet soup). They can give you all you need to know about what to have, when and where, jack. Dave Ramsey has tons of ELPs all over the country who can give you the lowdown on what you need before you fork over the dough. It's all part of a good plan to create a budget, so get going. You can thank me later.