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The Rachel Cruze Show

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.
304 Episodes
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📈 Are you on track with the Baby Steps? Get a free personalized plan.
The last thing you want is to realize too late that you don’t have the coverage you need. In this episode, find out which six life events mean it’s time to review your insurance and make sure you’re still protected.
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🚙 Are you protected? Take our 5-Minute Coverage Checkup!
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🍸 Smart Money Happy Hour
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💰 George Kamel
🪑 Front Row Seat with Ken Coleman
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📈 Are you on track with the Baby Steps? Get a free personalized plan.
You’ve probably heard people talk about “good debt,” but the truth is . . . it’s still debt. In this episode, I’m exposing three industries that use this kind of language to prey on consumers so you can avoid these everyday traps and start winning with money.
Next Steps:
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👩🎓 Watch Ramsey Solutions’ documentary, Borrowed Future.
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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
📈 The EntreLeadership Podcast
Ramsey Solutions Privacy Policy
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📈 Are you on track with the Baby Steps? Get a free personalized plan.
You might be frugal if . . . you stopped ordering pizzas and started making your own instead. In this episode, I’ll share 11 funny (and surprising) things frugal people are giving up and three things you can do to stay on budget.
Next Steps:
🎥 Watch my video How to Handle the Rising Cost of Groceries.
💵 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.
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
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📈 Are you on track with the Baby Steps? Get a free personalized plan.
Cash in the bank is great, but is it ever possible to have too much? In this episode, find out what to keep in your checking and savings accounts and how to maximize your money so it works for you.
Next Steps:
🎥 Watch my video 22 Expenses to Cut That You Won’t Even Miss.
💵 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.
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
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📈 Are you on track with the Baby Steps? Get a free personalized plan.
Could you be losing out on money and not even know it? In this episode, I’m reacting to a list of reasons why this can happen. Plus, you’ll learn three ways to hold on to more of your money in the first place.
Next Steps:
🎥 Watch my video 4 Ways You’re Ruining Your Budget (Without Realizing It).
💵 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.
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
In this episode, I’m reacting to eight signs that someone might be a “quiet millionaire.” Plus, find out what we can learn about building wealth from their choices.
Next Steps:
💵 Start your free budget today. Download the EveryDollar app!
🎥 Watch my video 4 Ways You’re Ruining Your Budget (Without Realizing It).
💰 Beat debt and build wealth starting today 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
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan
From the grocery store to the gas pump, we’re all feeling the squeeze of inflation one way or another! In this episode, learn how to afford four essential expenses without busting your budget.
Next Steps:
💵 Start your free budget today. Download the EveryDollar app!
🎥 Watch my video Home Upgrades That Are (and Aren’t) Worth the Money.
🍽️ Start saving time and money with my 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
🪑 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
Would your money habits say you’re broke, average or wealthy? In this episode, find out where you currently fall and how to adopt “wealthy” habits that will lead to lasting peace.
Next Steps:
💵 Start your free budget today. Download the EveryDollar app!
🎥 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
🪑 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
Did you know LeBron James is a big-time saver? In this episode, find out which money lessons we should take from our favorite celebs (and which ones we shouldn’t). Plus, don’t miss my top tip for building wealth whether you’re in the limelight or not.
Next Steps:
💵 Start your free budget today. Download the EveryDollar app!
🎥 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
🪑 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
There’s more to a minimalist lifestyle than just decluttering your home! In this episode, you’ll learn six minimalist habits you can start today to simplify your life and maximize your money.
Next Steps:
💵 Start your free budget today. Download the EveryDollar app!
🎥 Watch my video Life-Changing Lessons I’ve Learned From Minimalists.
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
🪑 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
Did you know women are now becoming wealthier than ever before? In this episode, find out the real reason why, plus seven basics everyone needs to know for managing their money and building wealth.
Next Steps:
💵 Start your free budget today. Download the EveryDollar app!
🎥 Watch my video What Everybody Gets Wrong About Generational Wealth.
💵 Start investing in your future with a Smartvestor Pro!
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
🪑 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 how your income compares to that of the average American? In this episode, find out how you stack up, plus get three tips for growing wealth regardless of what you make.
Next Steps:
💵 Start your free budget today. Download the EveryDollar app!
🎥 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 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
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
🪑 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 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
🪑 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!
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
🪑 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!
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
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💵 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
🪑 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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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! 💕