The Rachel Cruze Show

You know that anxious feeling you get every time you open your bank app to check your balance? If you do, it’s probably because you’re living paycheck to paycheck. This week, I’ll show you how to get to the end of your month and still have money in the bank. Plus, we’ll talk about five expenses that will wreck your car budget and how to spend your money with your future in mind.What you get in this episode: How to Stop Living Paycheck to Paycheck 5 Sneaky Expenses People Overlook When Buying a Car Appreciating vs. Depreciating Assets for Beginners Helpful Resources:  Start budgeting for free with EveryDollar. Get the Ramsey Car Guide. Discover your earning potential with our Investment Calculator (it’s free!). Learn more about Christian Healthcare Ministries. 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/adchoices Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy Learn more about your ad choices. Visit megaphone.fm/adchoices

If you want to ditch debt and save money, you’ve got to be intentional with every dollar you have. That’s why Dawn Madsen—aka The Minimal Mom—and I are listing off the things we won’t be spending money on in 2024. Plus, I’ll share a few Amazon buys I’m loving and the money advice that can transform your mental health. What you get in this episode:·      Things We Won’t Spend Money on in 2024 (with The Minimal Mom)·      My Most Hated Financial Advice: Giving·      What I’m Loving (and Hating) From Amazon Right Now Helpful Resources: ·      Follow Dawn Madsen at @the.minimal.mom.·     Watch the 10 Best Amazon Purchases Under $20 with But First, Coffee.·      Start budgeting for free with EveryDollar.·      Learn more about Christian Healthcare Ministries.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/adchoices·      Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Building wealth is easier than you think. This week, I’ll weigh in on the “soft saving” trend and share some investing tips that will set you up for success in 2024. Plus, George Kamel joins me in the studio to tell you about how he went from negative net worth to millionaire in just 10 years.What you get in this episode: Why Gen Z May Never RetireHow to Break Free From Broke (with George Kamel)7 Investing Mistakes to Avoid This YearHelpful Resources: Preorder George’s new book, Breaking Free From Broke.Start budgeting for free with EveryDollar.Learn more about Christian Healthcare Ministries.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: https://www.ramseysolutions.com/company/policies/privacy- policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Financial expert and author Dave Ramsey joins Rachel Cruze to discuss smart money tips for 2024, including budgeting tricks, overcoming financial challenges, creating a business budget, properly buying a house, overcoming the fear of overdraft, and strategies for managing money and budgeting.

“The best way to spread Christmas cheer . . .” is quoting our favorite Christmas movies and taking money lessons from them. (Everyone does this, right? Is it just me?) Plus, we’ll talk budgeting tips and ideas that will get you fired up to make 2024 your best year yet. Start working these expert tips today and you’ll benefit from them all year long. What you get in this episode:·     Money Lessons From My Favorite Christmas Movies·     5 Budget Reset Habits to Help You Win in 2024·     How to Become Financially Smarter Than 40% of People Helpful Resources: ·     Start budgeting for free with EveryDollar.·     Get Tapple at Walmart or wherever you buy board games.·     Learn more about Christian Healthcare Ministries.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 Op Games. Learn more about your ad choices: https://www.megaphone.fm/adchoicesRamsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Winning with money is 20% knowledge and 80% behavior. That’s why I’m excited to sit down with one of my favorite authors to talk about how to break bad habits and change our mindset—specifically around money. Plus, I’ll talk about budgeting and one big mistake I see everybody making. What you get in this episode:·     What Everybody Gets Wrong About Budgeting·     How Comfort and Scarcity Drain Your Life and Wallet (with Michael Easter) Helpful Resources: ·     Start budgeting for free with EveryDollar.·     Follow Michael Easter and check out his new book, Scarcity Brain.·     Get Tapple at Walmart or wherever you buy board games.·     Learn more about Christian Healthcare Ministries.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, 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

We all need to eat, but we don’t have to fall into the traps of spending too much money on food. When it comes to groceries, there are a lot of ways to cut back and create more room in your budget. I'll share my favorites with you today. Plus, you’ll hear my money (and food) advice that always stirs up the haters, and why I love Aldi so much. What you get in this episode:·     12 Ways to Cut Your Grocery Bill in Half·     How Far Does $50 Go at America's Cheapest Grocery Store?·     My Most Hated Financial Advice: Eating at Home Helpful Resources:  ·     Start saving with my Meal Planner & Grocery Savings Guide.·     Start budgeting for free with EveryDollar.·     Get Tapple at Walmart or wherever you buy board games.·     Learn more about Christian Healthcare Ministries.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 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

“Talking about money is so romantic!” said no one ever. But since love can’t pay the bills, there are a few conversations you need to have with your significant other. Today, we’re talking about what those conversations are and how to have them in a way that can break the tension without breaking up your relationship. Plus, I’ll share six generosity-inspired and budget-friendly gift ideas.What you get in this episode:·      5 Crucial Money Questions to Ask Your Significant Other·      How to Finally End Money Fights With Your Spouse (with Jefferson Fisher)·      Minimalist Gift Ideas That People Will LoveHelpful Resources: ·       Follow Jefferson Fisher on Instagram.·       Start budgeting for free with EveryDollar.·       Get Tapple at Walmart or wherever you buy board games.·      Learn more about Christian Healthcare Ministries.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 Op Games.·      Learn more about your ad choices: https://www.megaphone.fm/adchoices·      Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy Learn more about your ad choices. Visit megaphone.fm/adchoices

I love a deal, but I don’t love haggling for one. It’s not hard—you just have to know how. And no one knows how to get a deal better than Dave Ramsey! Today, Dave’s sharing the do’s and don’ts of negotiation, you’ll learn what not to say when you walk into a car dealership, and I’ll tell you why I don’t play the points game when it comes to travel. What you get in this episode:·     How to Never Pay Full Price Again with Dave Ramsey·     Things You Should Avoid Saying When Buying a Car·     Travel Hacking: Why It’s Not for Me Helpful Resources: ·     Buy, sell or maintain a car with the Ramsey Car Guide.·     Hear more from Dave Ramsey on The Ramsey Show.·     Check out Financial Peace University, the fastest way to beat debt and build wealth.·     Start budgeting for free with EveryDollar.·      Learn more about Christian Healthcare Ministries.·      Try BetterHelp 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 and BetterHelp. Learn more about your ad choices: https://www.megaphone.fm/adchoicesRamsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Nothing says “holiday spirit” like trampling a total stranger at the grocery store to get the last can of cranberry sauce on sale. Guys, we can do better! Tune in for new ideas, tips and a 30-day challenge to help you keep your grocery budget in check. What you get in this episode:·     Are You Making These 7 Grocery Shopping Mistakes?·     We Put Kroger and Instacart to the Test·      Does This Hack Actually Save You Money on Groceries? Helpful Resources: ·     Start saving with my Meal Planner & Grocery Savings Guide.·      Start making memories. Go NOW and get Tapple at Walmart.·     Start budgeting for free with EveryDollar.·     Learn more about Christian Healthcare Ministries today.·      Try BetterHelp 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, Op Games and BetterHelp. Learn more about your ad choices. https://www.megaphone.fm/adchoicesRamsey Solutions Privacy Policy   Learn more about your ad choices. Visit megaphone.fm/adchoices