Claim OwnershipThe Rachel Cruze Show
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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.
279 Episodes
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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.
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🎥 Watch my video How Do You Compare Financially to the Average American?
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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.
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🎥 Watch my video 10 Mistakes That Can Derail Your Debt Payoff.
💰 Find extra money with the Money Finder Challenge.
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🍸 Smart Money Happy Hour
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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.
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🎥 Watch my video 5 Frugal Habits to Cut Your Expenses in Half.
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🏥 Learn more about Christian Healthcare Ministries.
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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
💵 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
💵 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.
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🏥 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
1💵 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
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🧠 The Dr. John Delony Show
💰 George Kamel
💼 The Ken Coleman Show
📈 EntreLeadership
Ramsey Solutions Privacy Policy
💵 Start your free budget today. Download the EveryDollar app!
Have you ever compared your old Corolla to a friend’s new Mercedez and felt behind financially? In this episode, find out five common reasons why others may appear wealthier (even if they aren’t).
Next Steps:
🎥 Watch my video How Do You Compare Financially to the Average American?
📕 Read my book Love Your Life, Not Theirs—now 30% off for 50 Days of Christmas Deals!
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
💵 Start your free budget today. Download the EveryDollar app!
Creating your first budget is easier than you might think. In today’s episode, you’ll learn how to budget like a pro in five simple steps.
Next Step:
🎥 Watch my video How to Stop Going Over Budget on Groceries.
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
💵 Start your free budget today. Download the EveryDollar app!
We used to have to wait for stores to open, but online shopping has made it possible to spend 24-7! In this episode, you’ll learn five tips for sticking to your budget when the urge to splurge strikes.
Next Step:
🎥 Watch my video Signs You’re Addicted to Shopping (With Dr. John Delony).
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
💵 Sign up for EveryDollar today to create a free budget!
We surveyed Americans to learn more about their money behaviors and, guys, the insights are eye-opening! In this episode, you’ll find out what’s keeping people broke and, more importantly, what we can do about it.
Next Steps:
🎥 Watch my video Do This EVERY Time You Get Paid (Paycheck Routine).
💸 Learn how to win with money by enrolling in 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
📈 The EntreLeadership Podcast
Ramsey Solutions Privacy Policy
💵 Start your free budget today. Download the EveryDollar app!
Wondering what the “underconsumption core” trend is all about? In this episode, find out what it is, what’s driving it, and three ways to avoid getting sucked into consumer culture.
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
📈 The EntreLeadership Podcast
Ramsey Solutions Privacy Policy
💵 Start your free budget today. Download the EveryDollar app!
For all my reality TV fans, this episode is for you. Today, I’m reacting to a viral clip from the Real Housewives and sharing money lessons we can all learn from their conversation.
Next Steps:
🎥 Watch my video Financial Expert Reacts to Love Is Blind Money Fight.
📘 Shift your mindset in 90 days with The Contentment Journal, now 30% off for the 50 Days of Christmas Deals Sale.
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
💵 Start your free budget today. Download the EveryDollar app!
Are you more excited about that pricey balloon arch for your kid’s birthday party than they are? In this episode, find out how to throw a memorable (and affordable!) birthday celebration your kid will love.
Next Steps:
🎥 Watch my video “3 Places You Overspend (Without Even Knowing It)”
📙 Pick up a copy of my new kids book, I’m Glad When I Can Share
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
💵 Start your free budget today. Download the EveryDollar app!
Should kids be paid for doing chores? I’ll share my honest opinion. Plus, you’ll learn how to teach your kids money management from a young age.
Next Steps:
🎥 Watch my video “Why Are Millionaires Leaving Their Kids Nothing?”
📙 Pick up a copy of my new kids book, I’m Glad When I Can Share
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
💵 Start your free budget today. Download the EveryDollar app!
Is perfectionism keeping you from achieving your money goals? In this episode, you’ll learn three things to remember when perfection tries to stop you in your tracks and how you can stay motivated.
Next Steps:
🎥 Watch my video 7 Investing Mistakes to Avoid This Year.
💰 Reach your money goals 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
📈 The EntreLeadership Podcast
Ramsey Solutions Privacy Policy
💵 Start your free budget today. Download the EveryDollar app!
Whether you’re a “Venmo parent” or a “classroom parent,” we all want to show up for our kids without judgment. Well, today I’m putting the “Venmo vs. classroom parent” debate to rest, plus you’ll learn four things to remember the next time you feel tempted to compare.
Next Steps:
🎥 Watch my video My Most Hated Financial Advice: Eating at Home.
📘 Check out my kids books I’m Glad for Where I Am, and I’m Glad for What I Have.
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
💵 Start your free budget today. Download the EveryDollar app!
Hanging out with Mom and Dad can be comforting, but is living with your parents actually holding you back? In this episode, learn five important steps that will prepare anyone to thrive in life on their own.
Next Steps:
🎥 Watch my video “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
💵 Start your free budget today. Download the EveryDollar app!
Spending more for a quality item that lasts can be a great way to save money in the long run. In this episode, find out which 11 purchases are worth the extra investment.
Next Steps:
🎥 Watch my video 9 One-Time Purchases That Can Save You Hundreds.
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
📈 The EntreLeadership Podcast
Ramsey Solutions Privacy Policy
💵 Start your free budget today. Download the EveryDollar app!
Blowing your savings on that designer purse may feel good in the moment, but in the end, trying to look rich will leave you stressed (and in debt)! In this episode, find out what living above your means is really costing you.
Next Steps:
🎥 Watch my video What Is Stealth Wealth (and Do You Have It)?
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
📈 The EntreLeadership Podcast
Ramsey Solutions Privacy Policy
💵 Start your free budget today. Download the EveryDollar app!
If you’re approaching retirement age but don’t have quite enough saved to stop working just yet—don’t panic. In this episode, I’ll share some important steps Gen X and above can take to get ready for their golden years.
Next Steps:
🎥 Watch my video Investing for Total Beginners.
💰 Find out what’s possible with the Investment Calculator!
💸 Invest in your future with a SmartVestor Pro.
Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.
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
📈 The EntreLeadership Podcast
Ramsey Solutions Privacy Policy
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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
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!
Hey, I'm a travel agent! I would love to help you book this Rome vacation. Mia@mickeysdreamvacations.com 636-541-2848
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
I was just talking about this just other day thank you
fantastec👌
fantastec👌
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.
I think this is a duplicate of last week's episode. Haven't listened all the way, but the intro is the same. :-)
I love the Nightingale too! Try Winter Garden by Kristin Hannah next!
dinnerly food box is actually a lot cheaper than others. 35 delivered for 3 meals for 2, which is enough for 3.
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.
me, a single 20 year old guy listening to the whole thing 😂😂😆
yes, i would pay for u to sleep train my little boys lol that sounds like a productive business for both sides 👍🏼👍🏼
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.
Thanks for reminding me to how enjoy life and be imaginative about doing it without wasting money aside from a little gas.
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
This couple is precious! Totally made living on a budget so much fun!
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! 💕