The Rachel Cruze Show

Holiday “deals” are coming for your cash—are you ready? Today, I’ll share what I won’t be spending money on this season and what I plan to do instead. Plus, I’m looking back at my very first video to see if I still agree with my own advice on raising grateful kids. What you get in this episode:·     Do I Agree With My Own Money Advice 10 Years Later?·     What I Refuse to Spend Money on This Holiday Season Helpful Resources: ·     Start budgeting for free with EveryDollar.·     Pick up a copy of my new kids book, I’m Glad For What I Have.·     Start making memories. Go NOW and get Telestrations or Tapple at Walmart.·     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

Having a large salary doesn’t mean you’re building wealth, and earning a smaller income doesn’t mean you can’t manage it well. Anyone can win with money if they have the right tools—here’s what to do.What You Get in This Episode:·     Making $330,000 and Still Broke? (My Reaction)·     This Habit Is Keeping You Broke·     How to Find $2,500 in Your Budget Helpful Resources:·    Try BetterHelp today!·    Check out Christian Healthcare Ministries.·    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 Better Help. 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 may have rocked some questionable fashion in the ’90s but when it comes to our money, we got a few things right. I’ll share what we got right, the four things you should always have in your budget, and the money lesson I had to learn the hard way. What you get in this episode:·     ’90s Money Principles That Still Work Today·     4 Things You Must Include in Your Budget·     The Money Trap I Fell Into (and How to Avoid It) Helpful Resources: ·      Grab Telestrations at your local Walmart.·      Try BetterHelp today!·      Check out Christian Healthcare Ministries·      Start budgeting for free with EveryDollar.·      See your earning potential with our Investment Calculator.·      Learn more about my journey to contentment in my book Love Your Life, Not Theirs. 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 sponsor has paid for the programming you are viewing: The Op Games, Better Help and 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

When it comes to saving money, it’s all about simplicity. Which is why I’m sharing nine practical money habits for you to try if your budget is in need of a reset. Also, let’s unpack the one question we’ve all asked: Will making more money solve my problems?What You Get in This Episode:·     5 Frugal Habits to Cut Your Expenses in Half·     4 Things Minimalists Do to Build Wealth·     Will Making More Money Solve Your Problems? Helpful Resources:·      Grab Telestrations at your local Walmart.·      Try BetterHelp today!·      Check out Christian Healthcare Ministries.·      Start budgeting for free with EveryDollar.·      Get on the waitlist for Rachel’s new kids book, I'm Glad for What I Have 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 Better Help. Learn more about your ad choices. https://www.megaphone.fm/adchoicesRamsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

No matter how different our budgets look, shopping is a part of everyone’s monthly spending plan. From IKEA’s best deals to Target’s marketing tactics—this episode is all about pro tips for being a budget-conscious consumer online and in-store.What You Get in this Episode: 6 Affordable IKEA Finds (You Wouldn't Think Were Real) 5 Clever Ways Target Gets You to Spend More Online vs. In-Store Shopping: Which is Best?  Helpful ResourcesKristen McGowan's YouTube ChannelBetter HelpChristian Healthcare MinistriesEveryDollar                                                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 Better Help. Learn more about your ad choices. https://www.megaphone.fm/adchoicesRamsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Being smart with money means you have to know where to cut back and where it's actually worth it to spend top dollar—from big life events to your breakfast cereal. In this episode, learn what it really costs to have a baby today, things people commonly get wrong about money, and whether buying generic could save you big . . . but is it worth it? What you get in this episode: ·      What Does It Cost to Have a Baby Today?·      5 Things People Get Wrong About Money·      Is Buying Generic Brand Groceries Really Worth It?Helpful Resources: ·      Christian Healthcare Ministries ·   Better Help·      EveryDollar·      Financial Peace UniversitySponsors 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 Better Help.Learn more about your ad choices. https://www.megaphone.fm/adchoicesRamsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

When it comes to monthly spending, it can be easy to settle for “just getting by.” But wasting your paycheck on minimum payments forever is no way to live (or budget!)—here’s what to do instead.What You Get in this Episode:·     Why the Majority of People Will Stay Broke·     How Minimum Payments Take Years of Your Life Helpful Resources:Christian Healthcare MinistriesEveryDollar                                               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[SP1]  Learn more about your ad choices. Visit megaphone.fm/adchoices

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.