The Rachel Cruze Show

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan   What if I told you that debt is costing you way more than you realize? In this episode, find out the hidden cost of owing money and one question that could change your perspective.  Next Steps:  💵 Start your free budget today. Download the EveryDollar app! 🎥 Watch my video The Only Exceptions to My “No Debt” Policy.  Connect With Our Sponsors:  🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.  Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show    💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 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 it may feel like your goal of owning a home is a moving target, but don’t lose hope! In this episode, you’ll learn one cost of living rule to never break, plus three things to consider before buying a home.    Next Steps:  💵 Start your free budget today. Download the EveryDollar app! 🛡️ Stay on top of real estate updates with RamseyTrusted housing market trends.   🎥 Watch my video Home Upgrades That Are (and Aren’t) Worth the Money.   Connect With Our Sponsors:  🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.   Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show  💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   When you have questions about money, it’s important to ask someone you can trust. That’s why in today’s episode, I’m sharing the three types of financial pros you need, plus three questions to help you choose the right pro for you.   Next Steps:  🛡️ Find financial services you can count on with RamseyTrusted.    Connect With Our Sponsors:  🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.   Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show    💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   What if I told you that you have more money than you think? In this episode, you’ll learn how to uncover extra cash in just one day with the 24-Hour Money Finder Challenge. Next Steps:  💰 Take the 24-Hour Money Finder Challenge.   Connect With Our Sponsors:  🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.   Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show   💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   Is there ever a bad way to get rid of your debt? (Spoiler alert: Yes!) That’s why I’m talking about the five worst ways to pay off debt that you’ll want to avoid.    Next Steps:  🎥 Watch my video The Financial Trend That Is Robbing You Blind.   Connect With Our Sponsors:   🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.   Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show  💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   Investing is one of the best ways to set yourself up for the future, but how do you start? In this episode, find out how to invest the right way and make the most of your money in 2025.   Next Steps:  🎥 Watch my video My Annual Investment Routine.  💸 Connect with a SmartVestor Pro for free.   Connect With Our Sponsors:  🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.   Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show  💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 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 today’s episode, I’ll react to the top five money predictions for 2025 and share my thoughts on what they mean for you.    Next Steps:  🎥 Watch my video 5 Numbers You Must Track to Build Wealth.   Connect With Our Sponsors:  🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.   Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show   💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!    Are you ready for a fresh start when it comes to your money? In this special episode, Dave Ramsey joins me to share money habits you can start changing today.   Next Steps:  🎥 Watch my video 22 Expenses to Cut That You Won’t Even Miss.  💰 Register to watch our Ramsey Livestream: Take Control of Your Money. Connect With Our Sponsors:  🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.   Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show  💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   If you went overboard during the holidays and you’re carrying debt into the new year, it’s time to get busy! Find out three steps to ditch debt fast, plus how to avoid it for good in the future.   Next Steps:  🎥 Watch my video 5 Ways to Get Out of Debt Faster.   Connect With Our Sponsors:  🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.   Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show  💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   Tired of giving up on your New Year’s Resolutions three weeks into every year? Well, you’re in luck because there’s actually a better way to reach your goals. In this episode, learn how to make real progress on your money goals in 2025.   Next Steps:  🎥 Watch my video This Habit Is Keeping You Broke.   Connect With Our Sponsors:  🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.   Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show   💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   Did you know the average American spends over $1,000 a month just on transportation? Find out how the rest of your monthly spending categories compares to those of the average American. Plus, learn three ways you can create margin in your budget.   Next Steps:  🎥 Watch my video 22 Expenses to Cut That You Won’t Even Miss.   Connect With Our Sponsors:  🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.   Listen to More From the Ramsey Show:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show  💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app.     Wealth building is a journey. Let’s talk about the seven stages of wealth building that consistently take people from broke to millionaire so you can see exactly where you’re at and what’s next.     Next Steps:   🎥 Watch my video to find out How I Would Budget $7,000 a Month.    💸 Learn how to build wealth with Financial Peace University.     Connect With Our Sponsors:   🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.    Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show    💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!     Play along as I find out whether I really know the words to these classic Christmas hits. Plus, stick around for my number one tip on how to have a successful Christmas.     Connect With Our Sponsors:   🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.    Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show    💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!     Are amazing experiences worth going into debt? Find out if you’re falling for one of the four myths that lead people to choose fun over financial peace.     Next Steps:  🎥 Watch my video to find out The Right Way to Do a Monthly Budget.      Connect With Our Sponsors:   🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.    Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show    💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!    Having nice things isn’t bad, but too much of a good thing can become a problem. Find out how luxury brands are getting you to spend more. Plus, get practical tips for spotting these marketing schemes.    Next Steps:  🎥 Watch my video How Do You Compare Financially to the Average American?    Connect With Our Sponsors:   🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.    Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show    💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! What if your goal to become debt-free in 2025 is closer than you think? In this episode, you’ll learn how to finally ditch your debt in the new year with six action steps you can start today. Next Steps:  🎥 Watch my video 10 Mistakes That Can Derail Your Debt Payoff.  💰 Find extra money with the Money Finder Challenge. Connect With Our Sponsors:  🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe. Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show   💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy    Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   Have you ever lent money to a family member and later regretted it? In this episode, you’ll learn three important money boundaries for healthy relationships. Plus, we’ll talk about when it’s okay for family and money to mix.     Next Steps:  🎥 Watch my video 5 Frugal Habits to Cut Your Expenses in Half.   Connect With Our Sponsors:  🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.   Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show   💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   So you sat down and made your budget (take a deep breath)—now what? In today’s episode, you’ll learn how I budget, invest, save and spend money, as well as how to build these habits in your own life.   Next Steps:  🎥 Watch my video Do This EVERY Time You Get Paid (Paycheck Routine).   Connect With Our Sponsors:  🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.   Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show    💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! If you feel like your grocery budget isn’t going as far as it used to even though you’re buying the same stuff—you’re right! In this episode, get my Survival Guide to Grocery Shopping in 2025 for easy ways to save when shopping for food. Next Steps:  🎥 Watch my video 7 Target Shopping Hacks You’re Missing Out On.  🛒 Save time and money on groceries with the Meal Planner & Grocery Savings Guide. Connect With Our Sponsors:  🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe. Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show  💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   Sometimes an unexpected sale at Macy’s is all it takes to derail your budget. If you can relate, find out five easy habits to keep you on track financially.   Next Step:   🎥 Watch my video 7 Target Shopping Hacks You’re Missing Out On.  💸 Check out the 24-Hour Money Finder Challenge   Connect With Our Sponsors:  🏥 Learn more about Christian Healthcare Ministries.  🔒 Get 20% off when you join DeleteMe.   Listen to More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show    💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices