The Rachel Cruze Show

The money habits you have today could affect the rest of your life . . . including retirement. So, how do you know you’re setting yourself up for success when it comes time to hang up your suit and spend your days with your toes in the sand? In this episode, we’ll cover the reason why most Americans won’t be able to afford to retire and the habits you can start now that will ensure you’ll live a life you love when it’s time for retirement. Plus, Dr. John Delony and I talk about how getting rid of debt improves your mental health. What you get in this episode:  - Why 70% of Americans Won’t Retire- 4 Money Habits to Master Before 40- The Psychological Impact of Crushing Debt with Dr. John Delony  Helpful Resources: ·      Start making memories now and purchase Telestrations today!·      Christian Healthcare Ministries·      Follow Dr. John Delony·      Preorder Dr. John Delony’s new book, Building a Non-Anxious Life, now.·      EveryDollarSponsors 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: Christian Healthcare Ministries and Op Games.Learn more about your ad choices. https://www.megaphone.fm/adchoicesRamsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

Building wealth is all about your mindset—what you believe. It’s possible to have a millionaire mindset even if you’re trying to get out of debt. In this episode, I’ll tell you exactly how to create a millionaire mindset and reveal the most common mistakes I saw people make while I was teaching Financial Peace University. By the end, you’ll believe the right things about money that will help you reach your goals. What you get in this episode: ·      How to Create a Millionaire Mindset·      5 Mistakes I Saw While Teaching a Personal Finance Course Helpful Resources: ·      Christian Healthcare Ministries ·      EveryDollar·      Net Worth CalculatorSponsors 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: Christian Healthcare Ministries.Learn more about your ad choices. https://www.megaphone.fm/adchoicesRamsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

Budgeting strategies, importance of giving in personal finance, personal budget practices, automation and net worth calculation explained. Shifting mindset and behavior to build wealth by starting spending detox and cooking at home. Update on state of money, inflation rates, average wages, and introduction to budgeting app and seven baby steps for managing money and building wealth.

Becoming a millionaire doesn’t happen overnight, but with discipline and smart choices, it’s totally possible to reach your money goals. Today, I’ll walk you through how you can start investing (even if you’re a beginner), show you the money magic trick that actually works, and debunk the popular 50/30/20 rule. What you get in this episode: ·      Investing for Total Beginners·      The Money Magic Trick That Will Make You Rich·      Why I Wouldn’t Recommend the 50/30/20 Rule Helpful Resources: ·      Christian Healthcare Ministries ·      EveryDollarSponsors 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: Christian Healthcare Ministries.Learn more about your ad choices. https://www.megaphone.fm/adchoicesRamsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

Money goals require planning, taking on side hustles, and thinking differently about how you spend. In this episode, you’ll learn how to create a budget from scratch, what side hustles you could try (and which ones you should avoid), and how Rachel advises people on major purchases. What you get in this episode:  How to Create a Budget From Scratch The Best (and Worst) Side Hustles Ranked Advising People on Major Purchases  Helpful Resources: ·      Christian Healthcare Ministries ·      Op Games·      EveryDollarSponsors 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: Christian Healthcare Ministries and Op Games.Learn more about your ad choices. https://www.megaphone.fm/adchoicesRamsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

Think you have what it takes to be a millionaire? If you’ve got big money goals, then the last thing you need to do is make bad decisions that will slow you down. Watch out for these red flags that could be keeping you from becoming wealthy.What you get in this episode:·     5 Signs That You Will (or Won’t) Be Wealthy·     Are Credit Card Rewards Going Away?·     Why 37% of Americans Are in Financial TroubleHelpful Resources:  Christian Healthcare Ministries  EveryDollar Ramsey Car Guide 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: Christian Healthcare Ministries.Learn more about your ad choices. https://www.megaphone.fm/adchoicesRamsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

Here’s a little-known secret: Winning with money is only 20% math—the other 80% is all about your choices. And the best time to start making smart money choices is right now! Today, I’ll show you how to get started, share some helpful tools, and walk you through a few options to consider in order to reach your goals and create a life you love. What you get in this episode:·      How to Save Your First $100,000·      Can You Afford a Bigger Home?·      Is the FIRE Movement Too Good to Be True?  Helpful Resources: ·     Start budgeting for free with EveryDollar.·      Find a Ramsey Trusted Real Estate Agent near you.·      See your earning potential with our Investment Calculator.·     Learn more about Christian Healthcare Ministries today!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: Christian Healthcare Ministries.Learn more about your ad choices. https://www.megaphone.fm/adchoicesRamsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Take advantage of 2023’s high interest rates and put them to work for you! I’ll tell you how. Also in this episode, you’ll hear about one place you should never—really, never—keep your money and why denial isn’t just a river in Egypt (and other things I’ve learned hosting The Ramsey Show). What you get in this episode: ·      The LAST Place You Want to Keep Your Money·      What I’ve Learned Hosting 1,000+ Hours of The Ramsey Show·      Are You Missing Out on Free Money? Helpful Resources: ·      Learn more about Christian Healthcare Ministries  today!·      Take back control of your money with Financial Peace University.·     Start budgeting for free with EveryDollar.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: Christian Healthcare Ministries and The Op Games.Learn more about your ad choices. https://www.megaphone.fm/adchoicesRamsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

Your comfort zone can feel like your best friend . . . but actually be your worst enemy when it comes to being smart with money. In this episode, you’ll find out what I’m learning about comfort, get a breakdown of how to budget a tight income, and challenge your gender stereotypes around money. What you get in this episode: ·      5 Impactful Things I'm Learning Right Now·      How I Would Budget $3,600 a Month·      Controversial Gender Stereotypes Around Money Helpful Resources: ·      Christian Healthcare Ministries ·      EveryDollar·      Ramsey Car Guide·      Ops GamesSponsors 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: Christian Healthcare Ministries, Op Games.Learn more about your ad choices. https://www.megaphone.fm/adchoicesRamsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

Building wealth doesn’t always have to mean diving headfirst into a side hustle. Today, I’ll share the smart money decisions you can make to start building wealth through everyday decisions. You’ll learn the best places to buy a used car, how to cook delicious meals on a budget, and tips for paying off your mortgage early. What you get in this episode:  ·      10 Great Cars Under $10K·      Can $41 REALLY Buy 24 Meals? (with Frugal Fit Mom)·      The Simple Hack to Ditching Your Mortgage Fast  Helpful Resources: ·      Christian Healthcare Ministries ·      EveryDollar·      Ramsey Car Guide·      Follow Frugal Fit MomSponsors 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: Christian Healthcare Ministries.Learn more about your ad choices. https://www.megaphone.fm/adchoicesRamsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices