text:  So if he passes away, which we know, you know, over time, then she needs that money. And so we say 10 to 12 times what you were making in a year. That's what you need for the people who depend on your income. So when it comes to insurance term life, you need it, guys. You need it. And if you're like, Jade, all of this is so overwhelming for me. I used to be that person. We will do this for you again. If you don't have the right coverage, if you're not sure how to find it, if you go to Ramsey Solutions dot com slash coverage coverage.