Dave Ramsey mentions that you don't need short-term disability insurance because he believes it is often costly and less beneficial compared to the coverage period it provides. He suggests that the money spent on short-term disability premiums is better used to build a strong emergency fund that can cover several months of living expenses. This emergency fund acts as a financial cushion during short periods of disability, allowing you to cover expenses without needing short-term disability insurance. Dave emphasizes focusing on long-term disability insurance instead, as it provides more extensive financial protection for longer disability periods. He also highlights the importance of policies defining disability as the inability to perform your specific occupation for adequate coverage. In summary, Dave's advice is to prioritize building a robust emergency fund and getting long-term disability insurance rather than paying for short-term disability insurance, which he sees as less cost-effective and contractually weaker.