The Rachel Cruze Show

The Rachel Cruze Show

By Ramsey Network

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.

Episodes

How to Overcome Fear in Your Money and Your Marriage

You guys! It’s the first-ever live episode of The Rachel Cruze Show!   In this very special episode, you’ll learn:   How to overcome fear in your relationships with help from my guest, Patsy Clairmont Why I’m terrified of dolphins (yes, really) How one couple became debt-free while planning their wedding and even losing a job   Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing:  — Zander Insurance   Zander Insurance Stay connected with Patsy at https://patsyclairmont.com/ Financial Peace University
25/05/2040m 14s

How to Raise Good Kids Without Breaking the Bank

Kids aren’t cheap, but they don’t have to make you broke either. So, let’s talk about how to save some serious money on your kids!     In this episode of The Rachel Cruze Show, we’ll talk about:   Four things new moms feel pressured to buy but don’t actually need Stories from real students who went to college debt-free  Why you don’t have to be busy to be the best mom    Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing:   — Zander Insurance     Resources (everything mentioned in this episode):   Zander Insurance Follow Linsey Davis on Instagram: @linseytdavis Show Notes Page
11/05/2029m 23s

Quarantine Life: What to Do About Kids, Celebrations and “Free” Money

Coronavirus has us all doing things a little differently. For me, one of those things has been podcasting from my house! So, here’s a BONUS episode of The Rachel Cruze Show—quarantine edition.   In this episode, you’ll learn:   How to still have fun celebrating big events during a quarantine Six free ways to entertain your kids at home right now The smartest thing to do with your stimulus check   Join my Facebook Community: https://www.facebook.com/groups/rachelcruze/ Get more free activities for kids: https://www.daveramsey.com/blog/things-to-do-with-kids Get the Financial Peace University Free Trial: https://www.financialpeace.com/
04/05/2013m 44s

What the American Dream Is Costing You

Given the current state of our country, you might think the American dream is gone forever. I know so many people are just trying to get by and can't even focus on getting ahead. Even though I filmed this episode weeks before coronavirus hit, I think this message is more important now than ever.     In this episode of The Rachel Cruze Show, we’ll talk about:   How the American dream has changed over the years The hardest step to getting out of debt and how to overcome it Max Lucado’s simple secrets to a happy life   Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing:   — Zander Insurance     Resources (everything mentioned in this episode): Zander Insurance Start reading my Contentment Journal for free https://maxlucado.com/ Show Notes Page
27/04/2028m 36s

What to Do When Your Budget's Not Working

When you look at your budget, does it spark joy?   If you aren’t already living on a budget, the most important thing you can do for you and your family right now is to make one. Or if it’s been a while since you looked at your numbers, now is the time to adjust.   In this episode of The Rachel Cruze Show, you’ll learn:   Three ways to refresh your budget How Alex and Todd paid off $16K of debt in just nine months How to organize the messiest rooms in your house   Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing:   — Zander Insurance     Resources (everything mentioned in this episode):   Zander Insurance EveryDollar Learn about the 7 Baby Steps here 14-Day Money Finder Total Money Makeover  Financial Peace University  Give Other People Hope  Womansday.com
13/04/2025m 26s

What To Do With Your Money During the Coronavirus | A Message of Hope

It’s crazy out there, and you’re probably wondering what to do about your money right now. So I'm here to give you five super practical, super clear things you can do with your money during this pandemic. Don’t panic. Get On a Budget. Focus On Your Four Walls. Cut out all unnecessary expenses. If you’ve lost income, stockpile cash. You CAN do this. Because guess what: Hope is greater than fear. And I’m all about hope. Now’s the perfect time to get the plan and tools you need for your money. These deals will help you create a budget, keep your family on track, find new and meaningful work, and give generously. No matter where you are, hope is here: https://www.daveramsey.com/store/hope If you’re ready to take advantage of our 14-day free trial of Financial Peace, sign up here.
31/03/2016m 54s

A Message of Hope Series: Dave Ramsey, Rachel Cruze, Ken Coleman

It’s scary out there, but hope is greater than fear. In times of crisis, facts are your friends. So get the facts and other common sense guidance on life and money from thought leaders Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal and John Delony. daveramsey.com/hope
27/03/2053m 9s

Money-Saving Tips for Busy Moms

Being a mom is the best job I have, but let’s be real—sometimes, it’s really hard. So, this episode of The Rachel Cruze Show is all about making your life a little easier.   Today, you’ll learn:   7 ways to save money on your morning routine Things no one tells you about being a mom How to give yourself grace as you navigate this crazy thing called “life balance”   Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing: Zander Insurance   Resources: The Contentment Journal
16/03/2028m 53s

4 Steps That Will Secure Your Financial Future

This is the final episode in my series covering the Ramsey Baby Steps, and Dave Ramsey and Chris Hogan are back to help me out and make me laugh. Baby Steps 4–7 are the whole reason you make so many sacrifices in the first three steps. On this part of your money journey, you’re truly securing your financial future.   In this episode of The Rachel Cruze Show, you’ll learn:   The best way to fund your retirement 3 ways your kids can graduate college debt-free Why keeping your mortgage is a How to have the most fun you’ll ever have with money   Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing:   — Zander Insurance     Resources (everything mentioned in this episode):   Zander Insurance Financial Peace University Find an Investing Pro You Can Trust
02/03/2022m 13s

How to Bulletproof Your Emergency Fund

This is the third episode in my series covering the Ramsey Baby Steps, and I’m going to be real with you: Baby Step 3 is hard. As you save up three to six months of expenses for your emergency fund, there aren’t any quick wins or milestones. But it’s your last big sprint before you finally get to build wealth and give like no one else, so I’m here to keep you motivated!   In this episode of The Rachel Cruze Show, you’ll learn:   3 keys to having a bulletproof emergency fund How to find cold hard cash in your freezer A money tendency I used to be really immature about   Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing:   — Zander Insurance   Resources (everything mentioned in this episode): Zander Insurance Financial Peace University
17/02/2021m 57s

The Fastest Way to Pay Off All Your Debt

This is the second episode in a series covering the Ramsey Baby Steps, and my guest is the man who started it all—my dad, Dave Ramsey! He’s here to get you pumped up for Baby Step 2: Pay off your debt.   In this episode of The Rachel Cruze Show, you’ll learn:   The absolute best method for getting out of debt Whether or not it’s really harder to get out of debt now more than ever How one couple paid off $85,000 using the Ramsey Baby Steps   Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing: Zander Insurance The Free Budgeting App The Plan to Get Out of Debt and Build Wealth
03/02/2027m 9s

How to Save $1,000 Fast

We’re kicking off the new year with a special series covering the Ramsey Baby Steps. So let’s start at the beginning! Baby Step 1 will be your first step toward never worrying about money again: Save a $1,000 emergency fund.   In this episode of The Rachel Cruze Show, you’ll learn:   How to cover unexpected expenses when they pop up 26 super specific ways to save $1,000 How guacamole changed my mind about money   Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing: Zander Insurance My Favorite Budgeting App Financial Peace University
20/01/2028m 48s

How to Make a Budget That Actually Works for You

A lot of people see a budget as something that limits your freedom—I know, because I used to be one of them. But once budgeting becomes part of your everyday life, it actually gives you permission to spend! A budget doesn’t limit your freedom—it gives you freedom.   In this episode of The Rachel Cruze Show, you’ll learn:   Three steps to make budgeting easier for you than it’s ever been How to get your spouse on board with budgeting with you How one couple learned to budget their inconsistent income, and how you can too   Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing: Zander Insurance My Favorite Budgeting App Financial Peace University
06/01/2023m 52s

The Best (and Worst 😂 ) Show Moments of 2019

As 2019 comes to an end, I want to share some of my favorite moments from the show with you—and some of the funniest ones you haven’t even seen yet!   In this episode of The Rachel Cruze Show, you’ll learn:   What REALLY goes on behind the scenes of The Rachel Cruze Show in my year-end blooper reel The biggest savings hacks you probably don’t know about All the secrets of The Bachelor and The Bachelorette from former Bachelorette Kaitlyn Bristowe How one couple managed to have the most fun ever with their family while they were getting out of debt   Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programing you are viewing: Zander Insurance
23/12/1924m 29s

My Favorite Things of 2019

It’s that time of year when I like to look back on all the things—both big and small—that make me happy and grateful. And I’m so excited to tell you about them! In this episode of The Rachel Cruze Show, you’ll learn: 10 things that made my life so much better in 2019 How paying with cash and budgeting saved one couple hundreds of dollars a month Favorite things from my Facebook Community that will save you money Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programing you are viewing: Churchill Mortgage EveryDollar Woman’s Day
09/12/1918m 16s

Money Mistakes That Can Ruin Your Relationships

Money touches every area of our lives, and even if we don’t realize it, it affects our relationships too. That’s why I want to spend some time helping you navigate the way money can play out in your friendships, family and marriage. In this episode of The Rachel Cruze Show, you’ll learn: Three times the show Friends taught us about how not to handle money within relationships. Expert advice from Dr. Henry Cloud on how to protect your time and money during the holiday season when your family feels entitled to all of it. (Hey people-pleasers, this segment is especially for you!) The best gift my family gives me every year. How money fights actually made one couple closer than ever before. Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programing you are viewing: Zander Insurance Money & Marriage event tickets Henry Cloud’s website  
25/11/1926m 36s

Don't Let Christmas Sleigh Your Budget

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 Cruze Show, you’ll learn: Incredible insights from Emily Ley on how to make the most of your holidays with less. You guys, this interview is a must-watch for everyone. Why the Cruzes are saying no to buying toys this Christmas. How much most people spend on the holidays and how to keep boundaries around your Christmas budget.  Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programing. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programing you are viewing: RESOURCES: Zander Insurance The Contentment Journal Emily Ley’s website All Cash Christmas Printable  
11/11/1930m 19s

How to Afford Your Adoption

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 learn: Author and speaker Lisa Harper’s emotional journey walking through the international adoption process as a single woman Extremely practical steps and creative ways (that really surprised me!) to raise money for your adoption from author Julie Gumm My personal dream and goals surrounding adoption Even if you think adoption isn’t for you, you probably know someone who could use the valuable information in this episode! My guests this week really opened my eyes to new ways to make adopting a child a possibility for anyone, so go ahead and forward this to your friends!  Resources (everything mentioned in this episode): Zander Insurance Lisa Harper’s Website Julie Gumm’s Website My Favorite Budgeting App  
28/10/1931m 44s

Are These 4 Insecurities Destroying Your Budget?

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 services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing: Resources (everything mentioned in this episode): Zander Insurance Les Parrott’s website The New York Times article on honeymoons Show Notes Page
14/10/1935m 36s

Student Loan Crisis! Is There Hope?

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 your student loan debt faster The reality about student loan forgiveness that politicians won’t tell you How to go to college without going into debt  Plus, my friend and bestselling author Anthony ONeal will be here to answer questions about student loans and payments from people just like you.  Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing:  — Zander Insurance Resources (everything mentioned in this episode): Debt-Free Degree Zander Insurance Adjusting your tax withholding video How Long Does It Take to Pay Off Student Loans BONUS LISTEN: Borrowed Future Podcast
30/09/1929m 14s

Is Your Car Busting Your Budget?

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 real money on car repairs—a mechanic shares his secrets Resources (everything mentioned in this episode): Zander Insurance ELP Show Notes Page   
16/09/1924m 55s

Are You Wasting Money on These Popular Trends?

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 reality TV, plus show secrets from former Bachelorette Kaitlyn Bristowe Resources (everything mentioned in this episode): Zander Insurance  Contentment Journal / LYLNT Bundle  Woman’s Day TimeShare Exit
03/09/1926m 8s

How to Pay Off All Your Credit Card Debt FAST

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 out of almost $40,000 in credit card debt 10 ways to stay super motivated while getting out of debt RESOURCES Zander Insurance  Financial Peace University  Contentment Journal
19/08/1928m 10s

The Ugly Truth About Credit Cards

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 Financial Peace University What Affects Your Credit Score Article Show Notes Page
05/08/1926m 49s

3 Things Society Doesn’t Want You to Know About Money

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 Show, I’m going to set the record straight. You’ll learn: Three truths society doesn’t tell you about money How a school teacher paid off $40,000 of debt in just 14 months The proven plan to become a millionaire, no matter your income Resources (everything mentioned in this episode): Show Notes Page Become a Financial Peace University Coordinator! The 7 Baby Steps SmartVestor Pro Investment Calculator Financial Peace University Everyday Millionaires
22/07/1928m 37s

Don’t Let Your Parents’ Money Mistakes Stress You Out

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 parents and your whole family on the same page when it comes to money How to deepen your relationship with aging parents and create memorable moments with them that will stay with you forever Show Notes Page Will Prep Checklist 5-Minute Coverage Checkup Zander Insurance
08/07/1921m 50s

Stop Letting Food Eat Up Your Budget

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 family spends on groceries and where you land on the spectrum Easy meal plans that feed a family for under $125 per week from my guest, Debt Kickin’ Mom Mouth-watering summer recipes that  will keep your food budget in check Resources (everything mentioned in this episode): Show Notes Page Zander Insurance Financial Peace University Chef Marlon’s Recipes Debt Kickin’ Mom’s Powerful Story
24/06/1924m 48s

Started from the Bottom Now They’re Here

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 podcast host Lewis Howes The one thing successful people do to stay happy How small-business owner Judy Zimmerman paid off $750,000 of debt and changed her family tree in more ways than one Resources (everything mentioned in this episode): Show Notes Page Financial Peace University Zander Insurance Lewis Howes’s Podcast
10/06/1929m 0s

How Any Personality Type Can Win With Money

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 Ian Cron How to gain self-awareness and use your personality type to win with money Resources: Are you a Nerd or a Free Spirit? Ian Cron’s Typology Podcast Ian Cron’s Enneagram Assessment My Facebook Group
27/05/1943m 25s

Ways to Change Your Life and Money Right Now!

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 to overcome fear and find a career you love. Resources (everything mentioned in this episode): The Proximity Principle - (Start reading for free)  
13/05/1924m 2s

Real Talk With My Mom, Sharon Ramsey

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 our family camping trips and the moment she knew I was just a bit different than my siblings! I can’t wait for you to hear her side of the story in this special Mother’s Day episode.
08/05/1923m 21s

Tips for Saving Money on Everyday Items

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 (everything mentioned in this episode):    The Contentment Journal      Get Jenna's Recipes
29/04/1923m 18s

Christine Caine Drops Wisdom for Creating a Life You Love

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 ministry is literally saving women around the world
22/04/1921m 31s

How to Go to Disney Without Debt

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 food expert, Rachel Bshero.  Resources (everything mentioned in this episode): Zander Insurance        The Contentment Journal Churchill Mortgage The Contentment Journal Show Notes – Download the Disney Savings Goal Tracker
15/04/1916m 41s

How to Teach Your Kids About Money

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 in debt and got their kids involved in their debt-free journey Resources: Start reading The Contentment Journal for Free Buy The Contentment Journal   Smart Parent event                 Smart Money Smart Kids        The Graduate Survival Guide 
01/04/1928m 16s

How to Live Rich No Matter How Much Money You Have

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. Les Parrott, co-creator of eHarmony) Live and give like no one else Find contentment and happiness in every season you’re in  Resources (everything mentioned in this episode): Zander Insurance      Get a sneak peek of the new Contentment Journal! Buy The Contentment Journal Money & Marriage Event
18/03/1942m 58s

4 Keys to Having Great Relationships

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 looks like, this episode will give you the truth we all need. Resources (everything mentioned in this episode): Get a personal Boundaries mentor
11/03/1922m 24s

Travel Tips That Will Save You Money

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 going to talk about how you can travel cheaper.  You’ll learn how to: take a vacation without going into debt travel like a pro using insider secrets from our expert guest, travel agent Rachel Lackey spend less money on your next flight get the absolute best deal on hotels and lodging avoid the most common mistakes people make when planning a trip Download Rachel's Vacation Budget Worksheet Get Your Copy of Love Your Life, Not Theirs
04/03/1927m 11s

How to Love Your Home (And Afford It, Too)

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’ll learn how to: make the most of the space and furniture you have decide when the time is right to buy a new home avoid red flags during the home-buying process pay off your mortgage early If you’re buying or selling a home in the near future, connect with an ELP today. And get the best mortgage or refi for you and your family with my friends at Churchill Mortgage. Get tickets to see Rachel at her Money & Marriage event here! Be prepared for your future with term life insurance from Zander here. Download the Down Payment Goal Tracker
01/03/1923m 38s

My 4 Guiding Principles for Parenting

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. 
01/03/1921m 52s

How to Give Yourself a Raise This Year

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 in all areas of life using one simple method from my guest, Annie F. Downs   Resources (everything mentioned in this episode): Financial Peace University EveryDollar Connect with an ELP Tax Pro Take the Tax Quiz Annie F. Downs’s “That Sounds Fun” podcast  
01/03/1935m 33s

Lies People Believe About Getting Out of Debt

I’m going to let you in on a secret: You can actually enjoy your life while you’re getting out of debt! Getting out of debt may be uncomfortable. It’s pretty countercultural. And it definitely requires discipline. But believe it or not, millions of people have gotten out of debt and didn’t hate their lives in the process. This episode is all about super practical ways to love your life while getting out of debt! Here are some of the lies you might hear about getting out of debt: “You can’t find a nice, affordable used car.” “You can’t eat healthy on a budget.” “It’s too hard to have fun when you’re getting out of debt.” One of the lies you might tell yourself is that you’re the only one stressed or struggling with your money. But that’s not true, and if you need a safe space to have all the feelings about it, check out my Facebook community for encouragement. Resources: Learn Rachel's Simple Rules of Successful Negotiating EveryDollar Financial Peace University Jenna's Peanut Butter Cups Recipe
01/03/1937m 9s

How Minimalist Living Can Help You Pay Off Debt

Stephanie and Taylor Shivers were pretty much drowning in debt. Between student loans, medical bills and living expenses, they owed $142,000—which would take them 25 to 30 years to pay off. The happiest of moments in their lives were paired with an undercurrent of fear, anxiety and hopelessness related to debt. You can imagine, right? So, Stephanie and Taylor took a big step of faith: They sold their house. Talk about radical! In this episode, you’ll hear how debt affected their marriage on a practical and an emotional level—and if their plan of selling their home to pay off as much debt as possible worked. Aren’t you dying to know how it went? Plus, some of my favorite guests ever are on this episode. The Minimalists are here! Our messages are so similar, and during our conversation we talk about why stuff doesn’t equal happiness and how to make room for what really matters.  Who set the standard of living in America today anyway? Who decided that you must have a garage with two cars in it, a house filled with all the latest and greatest technology, a home just for vacations, and a closet full of new, trendy clothes? I’m getting mad again just thinking about it! So in this episode, we’ll challenge the status quo. Learn more about Financial Peace University Meet with a Financial Coach Connect with The Minimalists Read the show notes
01/03/1936m 46s

Introducing The Rachel Cruze Show!

Coming January 21st, 2019! Learn how to take control of your money and create a life you love.
01/03/191m 35s
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Heart UK