The Rachel Cruze Show

Money should be fun, not stressful. Learn practical tips on how to save more money, get out of debt quickly and make progress toward your goals. You can take control of your money and create a life you love. Get even more money saving tips at www.RachelCruze.com.

Education
Self-Improvement
Business
251
Major Misconceptions Keeping You From Building ...
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.
29 min
252
Money Hacks That Seem Too Good to Be True (but ...
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.
29 min
253
Budget Better, Buy Smarter, and Boost Your Savings
Your biggest wealth-building tool is your income, and a great way to increase your wealth is to spend (and save) wisely. In this episode, you’ll get some tips and tricks you can start using today to help you win with money. I’m sharing how I would budget $12,000 a month, the things you should stop buying, and eight easy ways to increase your savings.
27 min
254
How to Actually Make Your Money Go Farther
Winning with money is not about the size of your paycheck. It's about how you spend it. Today I’ll share a few smart money tips, like how to get the best deal on a car, the difference between building wealth and being rich, and why you should always have a little “fun” in your budget.
25 min
255
Money Questions I Hear All the Time (and My Ans...
When it comes to money questions, I’ve heard it all. Questions like . . . “Should we combine bank accounts?” or “Do the Baby Steps really apply to me?” In this episode, I’ll answer those burning money questions, plus we’ll talk about what to do if your emergency fund doesn’t cover your emergency.
28 min
256
Habits to Save Money and Simplify Your Life
Yes, you can create a life you love without keeping up with the Joneses. Contrary to popular opinion (and your Instagram feed), more stuff does not always equal more happiness. Today, I’ll share my best tips and habits to help you save money and keep things simple.
29 min
257
Tips for Taking Control When Your Money Is a Mess
When it comes to a money mess, a budget is your best friend. A budget is simply a plan to pay off debt and ditch money stress for good. It’s not as hard as you think, and I’m going to walk you through it. Plus, Dr. John Delony stops by to talk about what to do if you think you may be a “shopaholic.”
36 min
258
How to Afford the Life You Really Want
Can you afford a home in this economy? You can . . . if you have a plan for your money (aka a budget). In this episode, I’ll share six reasons why I, a spender at heart, love my budget. Plus, we’ll go over the best time for you to buy a home and a few tips to make moving easier.
36 min
259
The Secrets to Staying Financially Stable in Am...
Some people blame all their financial troubles on the government, others get stuck in a shame cycle trying to cope with money stress. The truth is, lots of factors affect your money—some are in your control, and some are not. Here’s what you can do to make sure your future is financially stable.
20 min
260
Can’t Get Ahead Financially? (Here’s What to Do)
When it comes to handling money, a lot of us just want to know what’s “normal.” But the truth is, normal isn’t always what’s best. Here’s what you can do to move forward and finally achieve the money goals you always hoped were possible.
34 min
261
The Millionaire Money Habits That Give You the ...
Today’s episode is all about choosing your spending habits wisely. I’m talking about where to invest your money when you want to build wealth, how to stay on budget during and after buying a home, and how to know when it’s worth it to splurge on products.
18 min
262
The Wealth-Building Skills You Wish You’d Learn...
Budgeting and saving and teaching, oh my! We’re going to talk about some smart money habits you should put into place . . . and how to pass them on to the next generation. Plus, I’m sharing tips for cleaning up your budget, elevating your savings game, and teaching your kids how to do the same.
20 min
263
The Right Way to Spend Your Money on Wants AND ...
Boundaries in certain areas create margin in others, so today we’re covering everything from minimalism to paid-for vacations. Learn what to stop doing, start doing, and keep doing when it comes to your spending.
21 min
264
The Hard Truth Behind Today’s Money Stats
If you’re feeling weighed down with money woes, like minimum payments, retirement savings or investment uncertainty, today’s episode is a must-listen! I’m debunking common myths about living with long-term debt, the state of the economy, and a potential retirement crisis on the horizon.
26 min
265
The Secret to Boosting Your Home's Value
Today’s episode is all about the biggest financial asset most of us have: our home. We’ll start by covering how to figure out how much your home is worth. After that, I’ll share proven ways to boost your home’s value, as well as which upgrades aren’t worth the money.
19 min
266
Save or Splurge? How to Handle Big-Ticket Items
When it comes to big-ticket items, we always want to know if the expense was worth it. In this episode, I’m sharing what I really think of my Tesla (plus a story my dad doesn’t even know!). We’ll also talk about what happens when people splurge on cars a little too often, and I’ll go over how I’m saving for my next big trip.
20 min
267
The Tricks to Ditching Debt Fast
Imagine a life where you can stop spending your money on debt payments and every paycheck is yours to spend instead. That’s what this episode is all about. We look at a popular debt payoff method called the debt avalanche, the sneaky ways your credit card is keeping you broke, as well as how to become financially independent once and for all.
22 min
268
What Is (And Isn't) Worth Your Money
What are the right things to use your money on? That’s what we’re covering in this episode, starting with how Winston and I are currently investing. I also react to a YouTuber’s claims about what the middle class should be able to afford and reveal some products I just don’t think are worth the hype.
29 min
269
6 Money Moves to Up Your Financial Game
Upping your financial game sounds hard—but it can actually be really simple. In this episode, we cover the money moves guaranteed to help you reach your goals, as well as the financial facts everyone needs to know.
28 min
270
Spending Habits for a Debt-Free Lifestyle
A debt-free lifestyle is all about spending and saving with purpose. I start out this episode by getting real about what that looks like in my monthly budget, then I talk with Jade Warshaw about how she paid off $460,000 (she’s the real deal, you guys). We'll also dig into the reasons we’re tempted to spend big during big sales.
30 min
271
What to Do When Managing Money Feels Complicated
This episode is all about taking control of your money. Because guess what? That can help you transform your life. Today we’ll talk about the costly hoarding habits almost all of us are guilty of, find out whether or not I’m on board with a popular YouTuber’s debt payoff advice, and learn some trusty tips on cleaning up a messy budget.
26 min
272
Lessons From Growing Up Bankrupt (and Other Mon...
Moving forward financially comes down to avoiding sneaky traps and learning from our mistakes. That’s why, in this episode, I start by sharing what I learned growing up in a bankrupt home. We then look at how living in California and New York can become a money pit. And we talk through high-profile tax fraud cases—and how you can stay legal.
25 min
273
The Best Ways to Budget Your Time and Money
Most people never feel like they have enough time or money. And I get it! But today is about the best ways to spend both of those things. I’m sharing my five favorite ways to buy back time. Then, we’ll cover the ins and outs of an all-cash budget and have some fun diving into the wild financials of the wedding industry.
24 min
274
Make Progress With Your Money (Even When Americ...
No matter what culture, social media or economists are telling you, you can make progress with your money. First, we’ll look at why some people are claiming America is doomed financially—plus what the data really says. Then, financial expert George Kamel joins me for a conversation about the sneaky habit stealing our paycheck: lifestyle creep.
28 min
275
Surprising Things I’m Learning About Money Righ...
No matter where you are on your debt-free journey, there is always something new to learn about money. Today, we’re talking investing, kids’ money habits and more. Plus, I chat with Kallie Branciforte (who you may know as But First, Coffee) about affordable Amazon products that are worth every penny.
37 min