The Rachel Cruze Show

It’s November—which means Thanksgiving and Christmas are right around the corner! Does that make you excited . . . or just overwhelmed? If you feel like the holidays are another reminder that you don’t have the time or money to make your holiday table perfect, make your Christmas tree Instagram-worthy, or even shop for presents, I created this episode just for you. In this episode of The Rachel Cr...

Have you ever dreamed about the possibility of adopting, but then thought, Well, I couldn’t afford that? I think adoption is awesome, but I know it can be super expensive. It’s a deeply personal conviction, and money shouldn’t be the obstacle that’s holding you back. If adoption is something you’re considering, I want to help you do it debt-free. In this episode of The Rachel Cruze Show, you’ll le...

So, in this episode of The Rachel Cruze Show, you’ll learn: The insecurity that 90% of women feel ashamed of and which industry is profiting the most from it How to keep insecurities from ruining your marriage How one woman’s spending habits led her into $40K in debt—and what gave her a wake-up call Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their...

Student loan debt is costing Americans trillions of dollars and now surpasses every other type of consumer debt.1 People rarely talk about student loans anymore without attaching the word crisis to it. If you’re in the depths of your own student loan crisis, I want to show you how to get out of debt fast! In the latest episode of The Rachel Cruze Show, you’ll learn: Four simple ways to pay off you...

Wondering why you can’t get ahead? Look in your driveway! Over the past decade, car debt has gone up 60%, and the average car payment is now $554!  I don’t want car loans to steal from your future! In the latest episode of The Rachel Cruze Show, you’ll learn: Why financing a car is the worst financial decision you can make How to pay off your current car and pay cash for your next one How to save...

We love keeping up with the latest clothes, shows and gadgets. But what is our obsession with trends really costing us? In the latest episode of The Rachel Cruze Show, we’re taking on trends. You’ll learn:  Trends you’re probably wasting money on without even thinking about it The biggest money-wasting trend (in my opinion) that gets me riled up over and over again The real cost of being on realit...

What would your life look like if you didn’t have any credit card payments? If you had a pile of money saved up in the bank? If you owned your stuff instead of it owning you? You guys—that life is possible! So, in the latest episode of The Rachel Cruze Show, I’m going to show you how to live debt free. You’ll learn: The number one proven method for getting out of debt How one couple dug their way...

Millions of Americans are being duped by credit card companies every day. And, you guys, I’ve had it! So, in the latest episode of The Rachel Cruze Show, I’m going to expose credit cards for what they really are. You’ll learn: Lies you’ve probably heard about credit cards The truth no one is telling you about credit card points How to buy a house without a credit score Resources: Zander Insurance...

In our culture today, you might hear people say things like:  “It’s impossible to graduate from college without taking out student loans.”  “You can’t buy a car or have nice things without debt.”  “The only way to become a millionaire is to be born into a rich family.” But believe it or not, our culture doesn’t always tell the truth. Shocking, I know. So, in the latest episode of The Rachel Cruze...

Your parents’ money choices will affect you in one way or another, but talking to them about it can be hard. Maybe the very thought of having that conversation intimidates you, or maybe you’ve tried before and it didn’t go well. So in the latest episode of The Rachel Cruze Show, you’ll learn: Four key questions to ask your parents right now about their finances A step-by-step plan for getting your...

Food is one of the biggest budget-busters out there, so this is a category where we can all cut back! If you can save just a couple hundred dollars a month in your food budget, you’ll be amazed at how much faster you can get out of debt and build up that emergency fund. So in this episode, you’ll learn: How to adjust your food budget based on the season of life you’re in How much the average famil...

Getting to a place of financial freedom  is hard. That’s why it’s so important to remember what you’re working toward—and that success isn’t just for yourself. In this episode, you’ll hear some of the most inspiring and motivating stories we’ve ever had on the show. You’ll learn:  The decision my dad made that completely changed my life The keys to overcoming adversity and staying motivated from p...

Do you ever wonder why you keep making the same mistakes with money? I want to shed some light on your personality type so you can make real progress! In this episode, you’ll learn: Whether you’re a Spender or a Saver and whether you’re a Nerd or a Free Spirit—and how to avoid pitfalls for each type All about my favorite personality typing system, the Enneagram, from Enneagram expert and author Ia...

If you want to change your life, you need to prepare your heart for this: Change isn’t easy. But you know what else? It’s worth it. In this episode, you’ll learn: Why most people struggle to make lasting change, and what you can do to be different. How a family of six hit rock bottom before paying off $77,460 in 36 months—and what changes they made to make it happen. Practical steps you can take t...

My mom, Sharon, is the keeper of all the Ramsey family stories. She was there when she and my dad, Dave Ramsey, declared bankruptcy. She was the one who had to stretch their very tight, getting-out-of-debt grocery budget to feed and diaper us three kids. At times, she even felt guilty for staying at home with us instead of working outside the home to bring in money. She also spills the tea about o...

Is saving money on everyday items a struggle? You work too hard for the money you have for one trip to the store to eat it all up! So in this episode, I’m going to help you shop smarter. You’ll learn: The shopping hack almost no one knows about Budget-friendly meals with healthy ingredients (that taste amazing too!) My money-saving tips to budgeting, spending and shopping for clothes Resources (ev...

Christine Caine is one of my favorite people ever, and she was gracious enough to let me in on all her wisdom and record it to share with you! Our conversation was so rich. In this episode, you’ll learn: why you shouldn’t feel guilty for delegating and asking for help how to stop the comparisons and see your life’s meaning, significance and worth the incredible and radical ways Christine’s ministr...

Disney World is one of my favorite places on earth, but it can cost a small fortune. Good news is, it doesn’t have to! In this episode, you’ll learn: How to know if you, your family and your bank account are actually ready to go to Disney. Twenty-one ways to save time and money at Disney—I’m talking thousands of dollars and hours of time saved! The best-kept Disney dining secrets from our Disney f...

If you don’t set the foundation for what your kids learn about money, they’ll pick it up somewhere else. So in this episode, you’ll find out: How to teach your kids about money the way I learned from my dad, Dave Ramsey The best ways to break down the walls between you and your teen to make a real connection (Guest: teen and millennial expert Anthony ONeal) How a family of four paid off $303,000 i...

What does being rich really look like? It’s more attainable than you may think! Research shows there are three things wealthy people have in common, and in this episode I’ll reveal what they are so you can live rich, too.  You’ll learn how to: Build wealth in America today Practice a daily habit that’s my secret to a rich life Enrich not just your bank account but your marriage as well (Guest: Dr....

Today’s episode is a conversation Dr. Henry Cloud and I had backstage at The Smart Conference, where he taught me the four keys to having healthy relationships. This is something I hear again and again that people want in their lives! Maybe for you that means to put up some boundaries so that others stop taking advantage of you. Maybe you need to let go of perfectionism. Whatever your situation lo...

The one thing that’s always true about traveling is that it costs money. Whether you love it (like I do!) or hate it, it seems like there’s always one reason or another to spend money going somewhere! Maybe you’re planning a honeymoon or a beach vacation. Maybe you’re getting out of debt and can’t spend much but have to travel to a family reunion or an out-of-town wedding. In this episode, we’re g...

Buying a house is the biggest financial investment most people will ever make, but your home is a big deal for other reasons too. It’s the place where you lay your head down to sleep at night, where you prepare your meals, and where you raise your kids. It’s where your life happens! So, I don’t want this to be something stressful in your life. I want it to be a place of joy.  In this episode, you’...

This episode is a little different! I actually recorded it sitting on the floor in my closet, sharing my thoughts on life balance and the struggles we face as parents. We’ll talk through why you don’t need to do everything, how to be the best version of yourself for your kids and how to give yourself grace when you mess up.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you wish you had more money? Wouldn’t that make it a little easier to reach your financial goals in 2019? You’ve come to the right place, because this episode is all about how to give yourself a raise this year!   In this episode, you’ll learn how to: Avoid the most common tax mistake that’s probably costing you money right now Have more money today without even getting a raise Find contentment...