Today I’m sharing some bittersweet news and saying a huge thank you. This is one episode you definitely don’t want to miss! Next Steps: 📱 Keep up with me on my Instagram @RachelCruze ! 🥂 Come join me and George Kamel on Smart Money Happy Hour every Thursday! 🎙️ You can also still find me as a co-host on The Ramsey Show , which airs every weekday! Connect With Our Sponsors: Learn more about Christian Healthcare Ministries . Get 20% off when you join DeleteMe . Go to FAIRWINDS Credit Union for ...
Mar 30, 2026•7 min
💵 Start your free budget today. Download the EveryDollar app! Everyone loves a good nostalgia trip, so today we’re looking back at the last 13 years of The Rachel Cruze Show . Next Steps: 🎥 Watch my video What Happy People Know About Money (With Dr. Arthur Brooks) . 🎥 Also check out my video The Top 10 Money Wasters In Our Houses with Minimal Mom . 📈 Are you on track with the Baby Steps? Get a free personalized plan. Connect With Our Sponsors: Learn more about Christian Healthcare Ministries...
Mar 27, 2026•15 min
📈 Check out the Investment Calculator ! Debt seems to be the norm these days, but it’s not your only option! In today’s episode, I’m going to walk you through the four things you can do to start getting rid of debt for good. Next Steps: 🎥 Watch my video 5 Most Common Questions I Get on Saving and Investing . 📈 Are you on track with the Baby Steps? Get a free personalized plan. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: Learn more about Christian ...
Mar 25, 2026•9 min
📈 Check out the Investment Calculator ! In today’s episode, I’m answering the top five questions I get about saving and investing so you can finally overcome the paycheck-to-paycheck cycle and build wealth. Next Steps: 🎥 Watch my video Worst Ways to Invest Your Money [JS1] . 📈 Are you on track with the Baby Steps? Get a free personalized plan. 💵 Start your free budget today. Download the EveryDollar app! 📊 Connect with a SmartVestor Pro investing professional today! Ramsey Solutions is a pa...
Mar 23, 2026•10 min
💵 Start your free budget today. Download the EveryDollar app! The biggest mistake people make with their money is not having a plan. So today, I’m going to share the most common excuses I hear when it comes to budgeting and give you the five-step plan you need to start building wealth. Next Steps: 🎥 Watch my video Top 4 Budget Categories We All Neglect . 📈 Are you on track with the Baby Steps? Get a free personalized plan. Connect With Our Sponsors: Learn more about Christian Healthcare Minis...
Mar 20, 2026•12 min
📖 Teach your kids contentment with my Kids Book Bundle . Winning with money is both tactical and emotional, and mindset is behind every practical step. Today, I’m going to walk through four things you need to understand about mindset in order to build lasting wealth. Next Steps: 🎥 Watch my video What Happy People Know About Money (With Dr. Arthur Brooks) . 📈 Are you on track with the Baby Steps? Get a free personalized plan. 💵 Start your free budget today. Download the EveryDollar app! Conne...
Mar 18, 2026•10 min
💻 Take the Side Hustle Quiz today! Looking for ways to make extra money to reach your financial goals? In today’s episode, I’m reacting to a list of seven unhinged side hustles my team found on the internet. Next Steps: 🎥 Watch my video 5 Underrated Tips to Help You Pay Off Debt FAST . 📈 Are you on track with the Baby Steps? Get a free personalized plan. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: Learn more about Christian Healthcare Ministries ....
Mar 16, 2026•7 min
💵 Start your free budget today. Download the EveryDollar app! Caring about your money is the first step toward lasting financial peace. And if you clicked on this episode, you’re already more financially aware than the average Joe. So today, I’m sharing five signs you might be doing better than you think! Next Steps: 🎥 Watch my video How Do You Compare Financially to the Average American (2026 Edition) . 📈 Are you on track with the Baby Steps? Get a free personalized plan. Connect With Our Sp...
Mar 13, 2026•6 min
🏠 Check out the Mortgage Payoff Calculator ! Is mortgage debt really “good debt”? In today’s episode, I’m breaking down what people claim is “good debt” and share the only kind of debt I give my stamp of approval for, with a few caveats. Next Steps: 🎥 Watch my video 5 Popular Money Myths That Keep You Broke . 💵 Start your free budget today. Download the EveryDollar app! 📈 Are you on track with the Baby Steps? Get a free personalized plan. Connect With Our Sponsors: Learn more about Christian...
Mar 11, 2026•10 min
📈 Check out the Investment Calculator ! In today’s episode, I’m reacting to an article that shared the monthly expenses that Dave Ramsey has said are destroying your retirement. Plus I’ll share what you should do instead to avoid ruining your retirement. Next Steps: 🎥 Watch my video 7 Places Frugal People Never Spend Their Money . 💵 Start your free budget today. Download the EveryDollar app! 📈 Are you on track with the Baby Steps? Get a free personalized plan. Connect With Our Sponsors: Lear...
Mar 09, 2026•11 min
👩🏻💻 Take the Side Hustle Quiz! The idea of earning passive income seems to be everywhere lately. I recently saw a reel that perfectly called out the problem with influencers pushing this trend. So today, I’m going to react to that reel and break down what no one is telling you about passive income. Next Steps: 🎥 Watch my video Why Being Boring Is the Best Way to Build Wealth . 💵 Start your free budget today. Download the EveryDollar app! 📈 Are you on track with the Baby Steps? Get a free ...
Mar 06, 2026•8 min
📖 Teach your kids contentment with my Kids Book Bundle . Growing up as Dave Ramsey’s daughter, we definitely did things a little differently! So in today’s episode, I’m sharing six things my family did when I was growing up that I totally thought were normal. Next Steps: 🎥 Watch my video 9 Things to Do Differently With Your Money in 2026 With Dave Ramsey . 💵 Start your free budget today. Download the EveryDollar app! 📈 Are you on track with the Baby Steps? Get a free personalized plan. Conne...
Mar 04, 2026•7 min
📊 Connect with a SmartVestor Pro investing professional today! Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Is it possible to have too much money in the bank? In today’s episode, I answer that question and share where I think the best place is to keep your money. Next Steps: 🎥 Watch my video 7 Financial Habits You’re Neglecting (Costing You Thousands) . 💵 Start your free budget today. Download the EveryDollar app! 📈 Are you on track with the Baby Steps? Get a free per...
Mar 02, 2026•6 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. On today’s episode, I had the honor of sitting down with Christine Caine to discuss how your spiritual roots affect how you handle money and how you can have the faith to flourish. Next Steps: 🎥 Watch my video What Happy People Know About Money (With Dr. Arthur Brooks) . 📖 Check out Christine Caine’s book The Faith to Flourish . 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: Learn ...
Feb 27, 2026•28 min
🚗 Check out the Ramsey Car Guide ! In today’s episode, I’m reacting to a video all about the shady things car salesmen do to trap people with car loans. I’ll also share the best way to buy a car and avoid the car loan trap altogether. Next Steps: 🎥 Watch my video 5 Home Upgrades That Pay You Back (and 4 to Skip!) . 💻 Crunch your numbers with the Investment Calculator ! 📈Are you on track with the Baby Steps? Get a free personalized plan. 💵 Start your free budget today. Download the EveryDoll...
Feb 25, 2026•12 min
🛳️ Set sail with Rachel on the Live Like No One Else Cruise! Book your cabin today. Building wealth is a challenge, but sometimes the excuse-making can go a little too far and stand in the way of progress. In this episode, I’m reacting to common excuses I hear from people who feel stuck with their money and how to shift that mindset to something better. Next Steps: 🎥 Watch my video 6 Financial Mistakes Made by High Income Earners . 📈Are you on track with the Baby Steps? Get a free personalize...
Feb 23, 2026•9 min
🛳️ Set sail with Rachel on the Live Like No One Else Cruise! Book your cabin today. In this episode, I’m reacting to TikToks from “self-made millionaires” and breaking down what advice actually works and what could send you off track. Let’s separate the smart money moves from the risky ones so you can build wealth the right way. Next Steps: 🎥 Watch my video 7 Signs You’re Actually Ahead Financially . 📈Are you on track with the Baby Steps? Get a free personalized plan. 💵 Start your free budge...
Feb 20, 2026•14 min
❤️ Connect with your spouse at the Money and Marriage Getaway. Grab your tickets today! Dr. John Delony and I are answering your unfiltered questions about money, marriage and everything in between—from conflict and communication to retirement and parenting. This episode is full of practical wisdom to help you and your spouse build a stronger marriage on purpose. Next Steps: 🎥 Watch my video Money Lessons We’ve Learned in 15 Years of Marriage (With Winston Cruze) . 📈Are you on track with the B...
Feb 18, 2026•23 min
🛒 Snag Rachel’s free Meal Planner and Grocery Savings Guide ! Food is one of the easiest places we tend to overspend, so I’m sharing some simple grocery and meal-planning hacks that could save you $100 or more every month. These small shifts can make a big difference in your budget—without making life harder. Next Steps: 🎥 Watch my video Average Family Grocery Budget (Are You Over or Under?) . 📈Are you on track with the Baby Steps? Get a free personalized plan. 💵 Start your free budget today...
Feb 16, 2026•6 min
🏠 Find out how much house you can afford with the Mortgage Calculator . I saw an article titled, “I Can’t Afford a House, so Why Don’t I Just Be Gorgeous?” And honestly, that perfectly sums up the mindset a lot of millennials are stuck in. In this episode, I’m breaking down the thinking behind that mindset. Plus, I’m sharing how to stop chasing quick fixes and start making real progress toward big financial goals. Next Steps: 🎥 Watch my video 5 Popular Money Myths That Keep You Broke . 📈Are y...
Feb 13, 2026•7 min
💰 Do you know your investments’ earning potential? Plug in your numbers to get started. I recently saw a stat about boomers’ retirement funds that shocked me. So today, let’s talk about where boomers are, where you are, and what I’d do if I were nearing retirement and needed to get back on track. Next Steps: 🎥 Watch my video: Crucial Retirement Decisions You Need to Make by Age . 📈 Are you on track with the Baby Steps? Get a free personalized plan . 💵 Start your free budget today. Download t...
Feb 11, 2026•8 min
📈Are you on track with the Baby Steps? Get a free personalized plan. We asked 1,000 people about their money, and the results honestly shocked me! In this episode, I break down the data and share three simple ways to make sure stress and a negative net worth don’t become your normal. Next Steps: 🎥 Watch my video How Do You Compare Financially to the Average American? (2026 Edition) . 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: Learn more about Chri...
Feb 09, 2026•11 min
🚢 Set sail with me on the Live Like No One Else Cruise! Book your cabin today. What if I told you that you could plan fun, memorable date nights at any price? Well, that’s exactly what I’m doing! Here are 23 creative date night ideas to try for every Baby Step or budget level. Let’s get into it! Next Steps: 🎥 Watch my video 3 Best Marriage Tips We’ve Ever Received . 📈 Are you on track with the Baby Steps? Get a free personalized plan. 💭 Want a deeper connection with your spouse? Pick up Ques...
Feb 06, 2026•10 min
📈 Use the Investment Calculator to see how your money can grow over time. In this episode, I’m breaking down a few simple money moves people often overlook that can put you on the path to becoming a millionaire. None of it is flashy, but if you focus on the right habits and stay consistent, you can start building real, lasting wealth this year. Next Steps: 🎥 Watch my video Why Being Boring Is the Best Way to Build Wealth . 📈Are you on track with the Baby Steps? Get a free personalized plan. �...
Feb 04, 2026•8 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. In this episode, I’m calling out a few spending traps that sneak into our budgets once the year gets going. If you’re ready to stop wasting money and free up some extra cash without feeling deprived, this one’s for you. Next Steps: 🎥 Watch my video 10 Minutes of People Living Frugally and Winning . 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors [JS4] : Learn more about Christian Heal...
Feb 02, 2026•9 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. When it comes to making the most of your money, where you put your money matters just as much as how you spend it. So today, I’m breaking down the three bank accounts everyone needs—and one of them you may be overlooking. Next Steps: 🎥 Watch my video Here’s When Saving Your Money Is a Bad Idea . 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: Learn more about Christian Healthcare Min...
Jan 30, 2026•7 min
📝 Take the free Side Hustle Quiz ! I recently asked people on Instagram to comment the most unhinged ways they make extra money. Today, we’re looking at what everyone had to say. Next Steps: 🎥 Watch my video 7 Creative Side Hustles for an Extra $1,000 a Month . 💵 Start your free budget today. Download the EveryDollar app! 📈 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 joi...
Jan 28, 2026•7 min
🏠 Crunch your numbers with this free Mortgage Calculator . When it comes to money, some harmful habits have become way too normal. So here are five common money practices that are really just lies holding you back! Next Steps: 🎥 Watch my video The Worst Ways to Pay Off Your Debt . 💵 Start your free budget today. Download the EveryDollar app! 📈 Are you on track with the Baby Steps? Get a free personalized plan. Connect With Our Sponsors: Learn more about Christian Healthcare Ministries . Get ...
Jan 26, 2026•9 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. In this episode, I’m breaking down the five simple, kind of boring habits that have helped me build real wealth—and showing how these basics can completely change your financial life. If you’re ready to grow your money with confidence and consistency, this one’s for you! Next Steps: 🎥 Watch my video 10 Minutes of People Living Frugally and Winning . 💵 Start your free budget today. Download the EveryDollar app! Connect With ...
Jan 23, 2026•8 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’re trying to build wealth but are still left wondering where chunks of money go every month, it might be time to rethink your money habits. Here are six things wealthy people never spend money on. Next Steps: 🎥 Watch my video Why You Should Spend Like No One Is Watching . 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: Learn more about Christian Healthcare Ministries . Get 20%...
Jan 21, 2026•7 min
