Need help on Life insurance !!

[HALEY]

Ok let me know if this sounds alright! im taking Dave Ramsey's advice.
i'm getting a 20 year term life policy on my husband, i combined the total i owe on the house, car, and credit cards and funeral expense, this is how much i'm taking the policy out for, plus getting a rider for Micah!
Now i already have a savings account Dave was talking about, been putting 200. per month. i also have an IRA thru my back, that's 50..00 a month i put in that.
All Credit cards will be paid off in August, so this is when i'm going to start looking at mutual funds get them started so when my 20 years are up we will be self-insured.. also after the credit cards are paid off, i'm going to increase the amount of money that im putting into my savings account, according to Dave you should have 3-6 months of salary in your savings.. So come August, I will get the ball rolling on this. ONce this is going good, i have to send Micah's college fund in...