The Rachel Cruze Show

🔍 Looking for extra margin in your monthly budget? Try our free Money Finder Challenge.   What if I told you the extra cash you need is already in your monthly budget? Yep, in today’s episode, I’ll show you how you can free up $1,000 of margin in just a few simple steps.   Next Steps: 🎥 Watch my video: Searching for the Right Side Hustle for You? Watch This! 💵 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. 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.      Sure, the baby boomers may have normalized debt, but are they really to blame for our modern-day money struggles? Let’s talk about it on today’s episode.      Next Steps:   🎥 Watch my video 7 Money Lessons From Boomers’ Wins and Regrets. 💵 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.   Financial literacy is the first step when it comes to building wealth. And believe it or not, it’s simpler than most people think! So today, I’m giving you a crash course in all things personal finance.    Next Steps: 🎥 Watch my video Create Your First Budget in 5 Simple Steps. 💵 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.   I’m extra excited for today’s episode because Pastor Judah Smith is joining us to talk about how our negative thoughts can affect all aspects of our lives—including money—and how to shift that mindset.    Next Steps:   🎥 Watch my video Why Less Really Is More—in Money, Faith and Beyond. 💵 Start your free budget today. Download the EveryDollar app! 📕 Check out Judah’s new book with Dr. Les Parrott. ⛪️ Check out the Churchome 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.   Prenups are a highly debated topic, and you guys know my take—your and your spouse’s money should be viewed as your money together. But . . . are there exceptions? Let’s talk about it on today’s episode.    Next Steps: 🎥 Watch my video The Only Exceptions to My “No Debt” Policy. 💵 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.   Is social media responsible for busting your budget? Maybe! On today’s episode, we'll talk about how the videos in your algorithm steal your hard-earned cash and what you can do to avoid it. Next Steps: 🎥 Watch my video Why Less Really Is More—in Money, Faith and Beyond. 💵 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.   Sometimes religion feels like a taboo topic, but around 85% of the global population is religious in some way. So today, I want to share five ways my faith has influenced the way I view and handle money.     Next Steps: 🎥 Watch my video 5 Powerful Ways to Redefine Wealth (It’s Not Just 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!   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.   Money and relationships can feel like a gray area, but there are red flags to look out for. In this episode, find out which financial habits I would never recommend compromising on.    Next Steps: 🎥 Watch my video The BIGGEST Mistakes Newlyweds Make in the First Year. 💵 This is 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. 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.   I know this may be a shocker coming from me, but saving your money can go too far. In this video, find out 3 things to keep in mind as you save and spend wisely.   Next Steps: 🎥 Watch my video Toxic Money Lies That Are Keeping You Broke 💵 This is 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. 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.   Ever wonder what your Gen Z friends are actually saying? In this video, learn the latest slang as I rate financial habits using Gen Z lingo.   Next Steps: 🎥 Watch my video 7 Signs You Are WAY Above Average 💵 This is 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. 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.   Do you ever wonder if you’re actually doing okay financially? In this video, you'll learn 6 signs that show you’re better with money than you think.     Next Steps: 🎥 Watch my video Are Your Habits Broke, Average or Wealthy? 💵 This is 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. 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

🏠 Buy a home confidently with the Ramsey Real Estate Hub.   Money can be a controversial issue . . . and sometimes, that’s what makes it fun! In this video, we’re leaning in, and I’m sharing my hot takes on some spicy financial topics.     Next Steps: 🎥 Watch my video 6 Things I Teach About Money That'll Make You Angry or Wealthy. 📈 Are you on track with the Baby Steps? Get a free personalized plan. 💵 This is 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. 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[AP1] [JS2]  🪑 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!   Ever wonder how some people always seem to stay on budget no matter what? In this episode, we’ll look at 10 secrets of people who never overspend—according to ChatGPT.   Next Steps: 🎥 Watch my video My Honest Advice to Someone Who Wants Financial Freedom. 📈 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!   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!   You’ve got to track your expenses to win with money—even on the weekends. In this episode, I’m jumping on the trend and sharing what I spent in a weekend so you can see what a recent lake weekend cost us.   Next Steps: 🎥 Watch my video How to Actually Enjoy Your Life (Even on a Budget). 📈 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!   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 Ramsey’s free Investment Calculator  to track your progress.   Ever wonder how close you are to retirement? Or, if you know it’s far off, ever wonder what you need to do to get there? Find out with these six simple questions.   Next Steps:  🎥 Watch my video 9 Questions to Help You Choose the Right Financial Advisor. 💵 The simplest way to budget. Download the EveryDollar app for free!   📈 Are you on track with the Baby Steps? Get a free personalized plan.  💰 Get connected with a SmartVestor Pro in your area. Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.   Connect With Our Sponsors:    Go to FAIRWINDS Credit Union for an exclusive account bundle! 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

📖 Teach your kids contentment with my Kids Book Bundle. Sometimes, the most unexpected people can teach you some pretty big lessons. In this episode, find out four unexpected money lessons my kids have taught me—that you can learn from too.      Next Steps: 🎥 Watch my video Money Lessons We’ve Learned in 15 Years of Marriage. 💵 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. 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.   Today’s beauty standards can cost you a fortune. In this video, find out the three crucial questions to ask yourself when you’re faced with “beauty standard” spending.   Next Steps: 🎥 Watch my video How to Turn Comparison Into a Wealth-Building Strategy.   💵 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. 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

💰 Find out how much your money could grow over time with the Investment Calculator.  In this episode, find out how to build enough wealth to retire at 55 and live your best life. (Spoiler alert: It’s pretty boring, but it works every time.)   Next Steps: 🎥 Watch my video How to Invest the Right Way in 2025. 💵 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

❤️ Claim your spot at Money & Marriage Getaway! My husband and I aren’t newlyweds anymore, but we’re still learning new things about marriage every day. So today, find out three of the best pieces of money and marriage advice we’ve gotten—and how they can apply to you. Next Steps: 🎥 Watch my video The Biggest Mistakes Newlyweds Make in the First Year 💵 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

📈 Are you on track with the Baby Steps? Get a free personalized plan. When it comes to stealth wealth, it’s all about the daily routines. Today, I’m sharing five simple habits “quiet millionaires” swear by so you can apply them to your life and money.    Next Steps: 🎥 Watch my video 10 Habits That Scream “I’m Trying to Look Wealthy” (My Reaction)  💵 The simplest way to budget. Download the EveryDollar app for free! 📘 Get Baby Steps Millionaires in hardcover. 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