The Rachel Cruze Show

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How to Become Financially Smarter Than the Average American Aug 26, 2024

Show notes

Anyone else feel like life’s been expensive lately? While we can’t control inflation, we can change our relationship with money. Find out the simple steps you can take to make the most of your income and get ahead with money.

In this episode:

· Proven Ways to Stop Living Paycheck to Paycheck

· Why People Are Skipping Meals (And It’s Not a Diet!)

· How Do You Compare Financially to the Average American?

Next Steps:

· 🛒 Save time and money weekly with the Grocery Savings Guide.

· 📗 Read our article “How Much Should I Have in Savings?”

· 💰 Find out what’s possible with the Investment Calculator!

· 🏠 Make a plan with the Mortgage Payoff Calculator.

· 👩‍🎓 Pay off your loans faster with the Student Loan Payoff Calculator.

· 💰 Get ready for retirement with the Retirement Calculator.

The Sponsors:

· 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan.

· 🏥 Learn more about Christian Healthcare Ministries.

· 🧩 Use code Rachel20 for 20% off your TruPlay annual subscription.

Listen to more from Ramsey Network:

🎙️ The Ramsey Show

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💵 Start your free budget today. Download the EveryDollar app!

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Simple Ways to Clean Up Your Spending Aug 19, 2024

Show notes

Think of your budget like the foundation of a house—your budget must be solid before you can reach your money goals and build wealth! That’s why today you’ll learn ways to make budgeting quick and painless and prevent overspending before it starts.

In This Episode:

· 3 Ways to Quickly Simplify Your Budget

· How to Make Budgeting Effortless

· 5 Proven Ways to Stop Overspending

Offers From Today’s Sponsors

· 🏥 Learn more about Christian Healthcare Ministries!

· 🧩 Use code Rachel20 for 20% off your TruPlay annual subscription.

Listen to More From Ramsey Network

🎙️ The Ramsey Show

📈 EntreLeadership

💵 Start your free budget today. Download the EveryDollar app!

Learn more about your ad choices. Visit megaphone.fm/adchoices

Are You Falling for These Everyday Money Traps? Aug 12, 2024

Show notes

Have you noticed that there are a million ways for your money to end up anywhere besides your bank account? That’s why today I’m revealing some common money traps and widely held money beliefs that aren’t doing you or your bank account any favors.

In This Episode:

· Why Stores Are Changing Their Return Policies

· 5 Signs Your Spouse Might Be Guilty of Financial Infidelity

· 6 Lies Culture Tells Us About Money

Next Steps

· 💸 Learn to win with money by enrolling in Financial Peace University.

· 💒 Strengthen your marriage and finances together. Tickets are now on sale for the 2025 Money & Marriage Getaway!

· 🛡️ Connect with a RamseyTrusted pro today!

Offers From Today’s Sponsors

· 🏥 Learn more about Christian Healthcare Ministries today!

Listen to More From Ramsey Network

🎙️ The Ramsey Show

📈 The EntreLeadership Podcast

💵 Start your free budget today. Download the EveryDollar app!

Learn more about your ad choices. Visit megaphone.fm/adchoices

Why Owning a Car Can Kill Your Budget (and What to Do About It) Aug 05, 2024

Show notes

From rising insurance prices to increased inflation rates, there are countless factors that affect the cost of owning a car these days. So this week, I’m sharing practical ways to take control of your money in the auto section of your budget.

In This Episode:

· Why It Hurts More Than Ever to Own a Car

· Top 11 Worst Cars to Have During Inflation

· This 9-Minute Video Could Save You Hundreds

Next Steps

· 💰 Check out the Ramsey Car Guide.

· 💸 Take the 5-Minute Coverage Checkup.

Offers From Today's Sponsors

· 🏥 Learn more about Christian Healthcare Ministries today!

· 🧩 Use code Rachel20 for 20% off your TruPlay annual subscription.

Listen to More From Ramsey Network

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights

📈 The EntreLeadership Podcast

💵 Start your free budget today. Download the EveryDollar app!

Learn more about your ad choices. Visit megaphone.fm/adchoices

Wealth Building Habits That the 1% Swear By Jul 29, 2024

Show notes

This episode is all about smart money habits that help you build wealth. I’ll explore the concept of "stealth wealth," talk about the perks of sticking with your investments, and break down the 75/10/15 approach to budgeting.

In This Episode:

· What Is Stealth Wealth (and Do You Have It?)

· 3 Reasons to Ride Out the Investing Roller Coaster

· Does the 75/10/15 Rule Actually Work?

Next Steps

· 💰 Find out your investments’ earning potential! Use the Ramsey Investment Calculator to predict your future nest egg: https://ter.li/b0fs9c

Offer From Today's Sponsor

· 🏥 Learn more about Christian Healthcare Ministries.

Listen to More From Ramsey Network

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights

📈 EntreLeadership

💵 Start your free budget today. Download the EveryDollar app!

Learn more about your ad choices. Visit megaphone.fm/adchoices

Common Money Mistakes (and How to Avoid Them) Jul 22, 2024

Show notes

From surprising exceptions to my "no debt" rule, to maximizing your home's sale, to the real costs of car loans—today, I'm sharing tips to help you avoid common money mistakes when making big financial decisions.

In This Episode:

· The Only Exceptions to My “No Debt” Policy

· 5 Mistakes to Avoid When Selling Your Home

· The Worst Investing Mistake You Can Make

Next Steps

· 🎥 Watch my video on mistakes to avoid when paying off debt.

· 🔨 Head to my video to find out which home upgrades aren’t worth your money.

· 🚙 Check out my video on 10 great cars you can get for under $10,000.

· 🏡 Sell your home with confidence! Partner with a RamseyTrusted real estate agent.

Offer From Today's Sponsor

· 🏥 Learn more about Christian Healthcare Ministries.

Listen to More From Ramsey Network

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights

📈 EntreLeadership

💵 Start your free budget today. Download the EveryDollar app!

Learn more about your ad choices. Visit megaphone.fm/adchoices

Smart Ways to Make Your Everyday Life (and Budget) Easier Jul 15, 2024

Show notes

This week, I'm sharing budget-friendly tips for eating on the go, the unexpected lessons my kids learned at Chuck E. Cheese, and five one-minute habits for a stress-free life. You'll learn tricks to stay organized and keep your finances on point, plus advice for living each day with gratitude.

In This Episode:

· Why Has Fast Food Gotten So Expensive?

· 3 Lessons Chuck E. Cheese Taught My Kids

· 5 One-Minute Habits to Keep Your Life Clutter-Free

Next Steps

· 🎥 Watch my video on where to shop for the best deals to beat rising food costs.

· 🎥 Check out my video where I give tips for keeping things minimal when you have kids.

· 🎥 Go to my video where I share life-changing lessons I’ve learned from minimalists.

· 💙 Pick up a copy of my new kids book, I'm Glad for Where I Am.

· ☺️ Grab a copy of my other kids book, I’m Glad for What I Have.

Offers From Today's Sponsors

· 🏥 Learn more about Christian Healthcare Ministries.

· 🧩 Use code Rachel20 for 20% off your TruPlay annual subscription.

Listen to More From Ramsey Network

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights

📈 The EntreLeadership Podcast

💵 Start your free budget today. Download the EveryDollar app!

Learn more about your ad choices. Visit megaphone.fm/adchoices

Fool-Proof Ways to Get Your Spending In Check Jul 08, 2024

Show notes

From costly marketing gimmicks and unnecessary impulse buys to hidden budgeting mistakes—in this episode, I'll share smart "spaving" tips, effective budgeting advice, and what's truly worth your money.

In This Episode:

· Does Spending Money to Save Money Actually Work?

· Why Do We Buy Things We Don’t Need?

· 4 Ways You’re Ruining Your Budget (Without Realizing It)

Next Steps

· 🎥 Watch my video where I reveal the money trap I fell into and share ways to avoid it.

· 🛍️ Check out my video on the 7 things I won’t be buying this year.

· 💵 Go to my video about 5 lessons I’ve learned from budgeting.

· 💸 Learn to win with money by enrolling in Financial Peace University.

Offers From Today's Sponsors

· 🏥 Learn more about Christian Healthcare Ministries.

· 🧩 Use code Rachel20 for 20% off your TruPlay annual subscription.

Listen to More From Ramsey Network

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights

📈 EntreLeadership