The Rachel Cruze Show

🏠 Find out how much house you can afford with the Mortgage Calculator. I saw an article titled, “I Can’t Afford a House, so Why Don’t I Just Be Gorgeous?” And honestly, that perfectly sums up the mindset a lot of millennials are stuck in. In this episode, I’m breaking down the thinking behind that mindset. Plus, I’m sharing how to stop chasing quick fixes and start making real progress toward big financial goals. Next Steps:  🎥 Watch my video 5 Popular Money Myths That Keep You Broke. 📈Are you on track with the Baby Steps? Get a free personalized plan. 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💰 Do you know your investments’ earning potential? Plug in your numbers to get started.   I recently saw a stat about boomers’ retirement funds that shocked me. So today, let’s talk about where boomers are, where you are, and what I’d do if I were nearing retirement and needed to get back on track.    Next Steps: 🎥 Watch my video: Crucial Retirement Decisions You Need to Make by Age. 📈 Are you on track with the Baby Steps? Get a free personalized plan.  💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show   💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman  📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈Are you on track with the Baby Steps? Get a free personalized plan.   We asked 1,000 people about their money, and the results honestly shocked me! In this episode, I break down the data and share three simple ways to make sure stress and a negative net worth don’t become your normal. Next Steps:  🎥 Watch my video How Do You Compare Financially to the Average American? (2026 Edition). 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

🚢 Set sail with me on the Live Like No One Else Cruise! Book your cabin today.   What if I told you that you could plan fun, memorable date nights at any price? Well, that’s exactly what I’m doing! Here are 23 creative date night ideas to try for every Baby Step or budget level. Let’s get into it!   Next Steps: 🎥 Watch my video 3 Best Marriage Tips We’ve Ever Received. 📈 Are you on track with the Baby Steps? Get a free personalized plan. 💭 Want a deeper connection with your spouse? Pick up Questions for Humans: Couples. 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Use the Investment Calculator to see how your money can grow over time.   In this episode, I’m breaking down a few simple money moves people often overlook that can put you on the path to becoming a millionaire. None of it is flashy, but if you focus on the right habits and stay consistent, you can start building real, lasting wealth this year. Next Steps:  🎥 Watch my video Why Being Boring Is the Best Way to Build Wealth. 📈Are you on track with the Baby Steps? Get a free personalized plan. 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan.   In this episode, I’m calling out a few spending traps that sneak into our budgets once the year gets going. If you’re ready to stop wasting money and free up some extra cash without feeling deprived, this one’s for you. Next Steps:  🎥 Watch my video 10 Minutes of People Living Frugally and Winning. 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors[JS4] : Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan.    When it comes to making the most of your money, where you put your money matters just as much as how you spend it. So today, I’m breaking down the three bank accounts everyone needs—and one of them you may be overlooking.    Next Steps: 🎥 Watch my video Here’s When Saving Your Money Is a Bad Idea. 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📝 Take the free Side Hustle Quiz!   I recently asked people on Instagram to comment the most unhinged ways they make extra money. Today, we’re looking at what everyone had to say.   Next Steps: 🎥 Watch my video 7 Creative Side Hustles for an Extra $1,000 a Month. 💵 Start your free budget today. Download the EveryDollar app! 📈 Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

🏠 Crunch your numbers with this free Mortgage Calculator.   When it comes to money, some harmful habits have become way too normal. So here are five common money practices that are really just lies holding you back!    Next Steps: 🎥 Watch my video The Worst Ways to Pay Off Your Debt. 💵 Start your free budget today. Download the EveryDollar app! 📈 Are you on track with the Baby Steps? Get a free personalized plan.    Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan. In this episode, I’m breaking down the five simple, kind of boring habits that have helped me build real wealth—and showing how these basics can completely change your financial life. If you’re ready to grow your money with confidence and consistency, this one’s for you! Next Steps:  🎥 Watch my video 10 Minutes of People Living Frugally and Winning. 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan.   If you’re trying to build wealth but are still left wondering where chunks of money go every month, it might be time to rethink your money habits. Here are six things wealthy people never spend money on. Next Steps: 🎥 Watch my video Why You Should Spend Like No One Is Watching. 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

🛡️ Are you protected with the right insurance? Take Ramsey’s five-minute Coverage Checkup. In this episode, Winston and I share how our annual “Dream Date” has transformed our marriage and our money. We share what we do every year to get aligned on our goals, budget and big dreams. If you’re craving clarity and connection heading into 2026, you’ll love this episode. Next Steps:  🎥 Watch my video Money Lessons We’ve Learned in 15 Years of Marriage (With Winston Cruze). 📑 Check your credit report for free. 💵 Start your free budget today. Download the EveryDollar app! 📈Are you on track with the Baby Steps? Get a free personalized plan.    Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📚 Grab my Kids Book Bundle to get all three of my children’s books! Talking about money doesn’t have to be weird or taboo. In this episode, I’m walking you through five super important money conversations to have with the people in your life so you can strengthen your relationships and feel more confident about your financial future. Next Steps:  🎥 Watch my video The 3-Step Formula for Finding a Job You Love (With Ken Coleman). 💵 Start your free budget today. Download the EveryDollar app! 📈 Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan.   On today’s episode, we’re talking about changes the government is making in 2026 that will impact your money—and what you can do about it. Let’s get into it! Next Steps: 🎥 Watch my video 6 Simple Ways to Become More Disciplined With Your Money. 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

✅ Are you paying too much for insurance? Find out in five minutes.   It’s time to whip your money into shape! In this episode, Dave Ramsey joins me to talk about what you can do differently with your money in 2026.   Next Steps: 🎥 Watch my video These People Found an Extra $3,015 a Month (Here’s How). 💵 Start your free budget today. Download the EveryDollar app! 📈 Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   In this episode, I’m breaking down the biggest money predictions for 2026 and showing you how to take control and win with money in the new year. Next Steps:  🎥 Watch my video Questionable Money Hacks I Now Swear By. 📈Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💸 Find ways to make more money. Take our Side Hustle Quiz!   In this episode, I’m sharing five underrated, super practical hacks that’ll help you pay off debt FAST—so you can take control of your money and finally breathe again. Next Steps:  🎥 Watch my video 7 Creative Side Hustles for an Extra $1,000 a Month. 💵 Start your free budget today. Download the EveryDollar app! 📈Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💰 Plan and build wealth for the future with Ramsey’s Complete Guide to Investing.   When it comes to money, you need to be aware of the don’ts just as much as the do’s. Today, I’m sharing the worst ways to invest your money so you can avoid the traps and start building wealth the right way.    Next Steps: 🎥 Watch my video 6 Questions That Reveal if You Can Retire Early. 💵 Start your free budget today! Download the EveryDollar app. 📈 Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Join the Take Back Your Money in 2026 livestream! Register for free.   In this video, I break down how the average American is handling their money—so you can see how you stack up. Then, I’ll give you some simple steps to start making real progress with your own finances. Next Steps: 📈 Are you on track with the Baby Steps? Get a free personalized plan.  🎥 Watch my video Become Financially Literate in 8 Minutes 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Join the Take Back Your Money in 2026 livestream! Register for free.   The situations I find myself in while working with my dad will never fail to make me laugh! Let’s relive some of my favorite moments from The Ramsey Show this past year.   Next Steps: 🎥 Watch my video This Call Left Dave Ramsey Speechless (My Reaction). 📈 Are you on track with the Baby Steps? Get a free personalized plan. 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices