If you’re over 60, you need long-term health insurance. Dave Ramsey says not to get it before 60, but if you have parents or other relatives who don’t have it and are past that age, help them get it. If you need help finding an insurance agent you can trust, look up one of Dave’s endorsed local providers in your area at: http://www.daveramsey.com/elp/long-term-care-insurance/