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The Rachel Cruze Show

Author: Ramsey Network

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Money should be fun, not stressful. Learn practical tips on how to save more money, get out of debt quickly and make progress toward your goals. You can take control of your money and create a life you love. Get even more money saving tips at www.RachelCruze.com.

365 Episodes
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🚙 Get the free Ramsey Car Guide. In this special episode, The Car Mom’s Kelly Stumpe shares the biggest mistake you can make when buying a car, tips on finding the right “mom car,” plus how to do it all with confidence.   Next Steps: 🎥 Watch my video What America’s #1 Wealth Killer Is Actually Costing You. 🚘 Learn more about The Car Mom. 📈 Are you on track with the Baby Steps? Get a free personalized plan. 💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe.   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
💵 The simplest way to budget. Download the EveryDollar app for free! Have you started to believe the lie that you’re just “bad with money”? In this episode, I’ll debunk five toxic money lies that may be keeping you stuck so you can start winning financially. Next Steps: 🎥 Watch my video The Worst Ways to Pay Off Your Debt. 📈 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. 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
📚 Get Rachel Cruze’s Kids Book Bundle.   I’m typically a quantity over quality kind of girl—except for these four areas of life. In this episode, find out where less really is more so you can make space for what matters most.   Next Steps: 🎥 Watch my video 5 Quick Ways to Cut Costs (Even if You Love to Spend). 📈 Are you on track with the Baby Steps? Get a free personalized plan. 💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. 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
💰 Invest in your future with a Smartvestor Pro.  Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.  There’s one thing my husband and I do every year that's been a game changer in our marriage. In this episode, learn about our “Dream Date” and how it can bring you closer to where you want to be. Next Steps: 🎥 Watch my video 5 Ways to Maximize Your Money in a Dual-Income Household. 📈 Are you on track with the Baby Steps? Get a free personalized plan. 💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. 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 it still feels like you’re living paycheck to paycheck even though your income has gone up, listen up. In this episode, you’ll learn four surprising reasons high earners feel financially stressed and how you can break the cycle. Next Steps: 🎥 Watch my video 10 Habits That Scream “I’m Trying to Look Wealthy” (My Reaction) 🏡 Compare cities with the Cost of Living Calculator. 💵 The simplest way to budget. Download the EveryDollar app for free! Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. 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. Should debt be a deal breaker when you’re thinking about marrying someone? In this episode, let’s talk about what it feels like to have a significant other in a different financial situation than you and how to move forward together with confidence. Next Steps: 🎥 Watch my video This Couple Turned Paying Off $32,000 Into a Game (My Reaction). 💍 Get away with your spouse for Ramsey’s Money & Marriage Getaway 💵 The simplest way to budget. Download the EveryDollar app for free! Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. 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. The stock market has its ups and downs, but that doesn’t mean you need to panic. In this episode, find out why it’s better to focus on the long game when it comes to investing. Next Steps: 🎥 Watch my video Why the Housing Market Might Feel Impossible Right Now. 💰 Invest in your future with a Smartvestor Pro. Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.  💵 The simplest way to budget. Download the EveryDollar app for free Connect With Our Sponsors: • Learn more about Christian Healthcare Ministries. • Get 20% off when you join DeleteMe. 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 90-day journey to lasting contentment with The Contentment Journal. Money can be a blessing, but without intentionality, it can do more harm than you realize. In this episode, find out three ways money might be hurting you and what you can do to take back control. Next Steps: 🎥 Watch my video 5 Money Habits That Will Change Your Life (if You Actually Do Them). 💵 The simplest way to budget. Download the EveryDollar app for free! 📈 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. 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
💵 The simplest way to budget. Download the EveryDollar app for free!    Yes, you can still have fun on a budget—and I can prove it! In this episode, find out how Winston and I make the most of our money and why a budget actually helps you enjoy life more.   Next Steps: 🎥 Watch my video 8 Mistakes You’re Making With Everyday Expenses. 📈 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. 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
💍 Get your tickets for our Money & Marriage Getaway happening February 12–14, 2026. Today’s special guest is my amazing husband, Winston Cruze! In this episode, we’ll share the biggest lessons we’ve learned in 15 years of marriage, plus how you can grow even stronger in your relationship. Next Steps: 🎥 Watch my video Money Habits You Need to Change Right Now (With Dave Ramsey). 📈 Are you on track with the Baby Steps? Get a free personalized plan. 💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: 🏥 Learn more about Christian Healthcare Ministries. 🔒 Get 20% off when you join DeleteMe. 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. Could the #1 wealth killer in your life be parked in your garage? In this episode, find out why your car could be keeping you broke, plus the right way to own one instead. Next Steps: 🎥 Watch my video 10 Things Quickly Becoming Too Expensive for the Middle Class. 💰 Find out your earning potential with the Investment Calculator.  🚙 Get our free Ramsey Car Guide. 💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. 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. Let’s be real—money can be helpful, but it’s not going to magically solve all your problems. In this episode, you’ll learn five important areas where you might already be wealthier than you think. Next Steps: 💵 The simplest way to budget. Download the EveryDollar app for free! 🎥 Watch my video 8 Subtle Ways to Spot a “Quiet Millionaire.”   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. 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. The truth is, debt is a thief, but not everyone is taught that. In this episode, my friend Jade Warshaw shares how she learned this the hard way—including the steps she took to pay off $460,000 in debt and why they can work for you too.  Next Steps: 💵 The simplest way to budget. Download the EveryDollar app for free! 🎥 Watch my video Why 51% of Americans Are Struggling in Their Finances. 🎤 Follow Jade Warshaw on Instagram @jadewarshaw.   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. 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 someone who thrives on structure, changes to your routine can totally throw you off. In this episode, you’ll learn five practical tips to help stay on track with your time and money, no matter what season you’re in. Next Steps: 💵 The simplest way to budget. Download the EveryDollar app for free! 🎥 Watch my video Parents Are Spending How Much on Kids Birthdays?    Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe.   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. I found a list of “13 Times Dave Ramsey Wants You to Say No” and I couldn’t resist sharing my thoughts! In this episode, I’ll give my take on each one, plus three “Dave nos” I heard growing up. Next Steps: 💵 The simplest way to budget. Download the EveryDollar app for free! 🎥 Watch my video The Two Times I’ve Disagreed with Dave Ramsey. Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe.   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. I know technology gets a bad rap sometimes—but it can actually make life a lot easier! In this episode, find out the seven apps I can’t live without and why technology isn’t all bad.  Next Steps: 💵 The simplest way to budget. Download the EveryDollar app for free! 🎥 Watch my video 7 Purchases That Significantly Improved My Life.   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe.   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. No matter how much money you make, it’s way too easy to overspend. In this episode, learn 16 practical ways to stop wasting your money so you can build wealth instead. Next Steps: 💵 The simplest way to budget. Download the EveryDollar app for free! 🎥 Watch my video 7 Creative Side Hustles for an Extra $1,000 a Month. Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe.   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 engaged or recently married, you’ve probably heard all the classic marriage advice. But in this episode, you’re going to learn five common mistakes newlyweds make and how you can avoid them altogether! Next Steps: 💵 The simplest way to budget. Download the EveryDollar app for free! 🎥 Watch my video The Real Reason Everyone Seems Wealthier Than You. Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. 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.   So, I didn’t budget for two whole weeks, and you guys won’t believe what happened! In this episode, find out my biggest takeaways from this experiment so you can keep your spending in check without the stress.   Next Steps: 💵 The simplest way to budget. Download the EveryDollar app for free! 🎥 Watch my video How to Survive Grocery Shopping in 2025.   Connect With Our Sponsors: 🏥 Learn more about Christian Healthcare Ministries. 🔒 Get 20% off when you join DeleteMe. 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.   You might not feel rich, but you may be doing better with money than you realize! In this episode, find out seven signs that prove you’re actually ahead of the average American. Next Steps: 💰 Pay off your home faster with the Mortgage Payoff Calculator. 🎥 Watch my video Create Your First Budget in 5 Simple Steps. 💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors:   🏥 Learn more about Christian Healthcare Ministries. 🔒 Get 20% off when you join DeleteMe. 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
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Comments (31)

victoria lisa

💚WATCH>>ᗪOᗯᑎᒪOᗩᗪ>>LINK>👉https://co.fastmovies.org

Feb 5th
Reply

Aakash Amanat

I absolutely love "The Rachel Cruze Show"! Rachel's insights on personal finance and money management are truly invaluable. Her ability to break down complex financial concepts into simple, actionable steps is what sets her apart. I've learned so much from her show and her advice has made a positive impact on my financial journey. https://www.slideshare.net/DeliPaperPros Whether it's tackling debt, creating a budget, or planning for the future, Rachel's practical tips have helped me gain control over my finances and work towards my financial goals. Her show is not just about numbers and spreadsheets; it's about changing our mindset and developing healthier financial habits. https://www.houzz.com/pro/delipaperpros

Aug 21st
Reply

Jennifer Vilorio

Thank you this one was great one every time you guys all say 25% on your take home pay you made it clear that it’s mortgage and all the other things that come with it. Love this one!

Jun 15th
Reply

Mia Allen

Hey, I'm a travel agent! I would love to help you book this Rome vacation. Mia@mickeysdreamvacations.com 636-541-2848

Apr 27th
Reply

Maria Victoria

Just started following you on IG and listening to this podcast after enrolling in Financial Peace University at our church. Love your podcast but especially love your gentle approach to money. I too spend money on house cleaning bi monthly and eating out since being debt free except for our mortgage. Keep sharing the good news too! Love ya, Maria

Mar 21st
Reply

Jennifer Vilorio

I was just talking about this just other day thank you

Mar 6th
Reply

پسر شهریور

fantastec👌

Nov 13th
Reply

پسر شهریور

fantastec👌

Nov 13th
Reply

Emily Dunsing

I'm curious as to why you say to stay away from VA loans? These are low fixed rates and don't require PMI. Also, when buying with a VA loan, it usually work in the buyers favor as homes are appraised lower by the VA then with a FHA or conventional loan so you usually pay less then the asking price in most cases.

Jul 20th
Reply (1)

mean karen

I think this is a duplicate of last week's episode. Haven't listened all the way, but the intro is the same. :-)

Jul 11th
Reply

Kelly Hutchison

I love the Nightingale too! Try Winter Garden by Kristin Hannah next!

Jun 20th
Reply

Alina L

dinnerly food box is actually a lot cheaper than others. 35 delivered for 3 meals for 2, which is enough for 3.

Mar 19th
Reply

Paula Barlow

I know I'm a bit behind on listening to this episode, but here I am. Remember that for any job you do that uses your personal vehicle, you need to report that to your auto insurance provider. You could nullify your insurance if you are in an accident.

Jul 9th
Reply (1)

Stephen Swayze

me, a single 20 year old guy listening to the whole thing 😂😂😆

May 15th
Reply

jkae rapozo

yes, i would pay for u to sleep train my little boys lol that sounds like a productive business for both sides 👍🏼👍🏼

Jan 19th
Reply (1)

Jamie Kurisunkal Jacob

Wow! Sometimes sacrifices and definitely budgeting are needed to plan out buying a car in full to be fully owned. $400 and more monthly is way too much.

Jan 10th
Reply (1)

Jamie Kurisunkal Jacob

Thanks for reminding me to how enjoy life and be imaginative about doing it without wasting money aside from a little gas.

Dec 21st
Reply

Sandra Martin

O.M.G your guest Minana (sorry I am not sure how to spell her name) resonated with me SOOOO much. Her interview feels like a message the universe wanted me to hear right now <3 <3 Thank you for sharing your story, xx

Apr 10th
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Angela Braverman

This couple is precious! Totally made living on a budget so much fun!

Feb 3rd
Reply

Jennifer Knepper

My husband and I also sold our house and completely paid off our debt! We moved in with my parents, along with our two children, and are saving for a down payment to build a modular home! 💕

Feb 1st
Reply