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
51
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
52
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
53
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
54
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
55
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
56
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
57
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
58
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
59
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
60
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
61
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
62
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
63
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
64
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
65
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
66
22 Creative Side Hustles that Actually Make You...
In this episode, we’re making money, reading books and taking names! First, did you know you can get paid every month just for driving your car? We’re talking easy, money-making side hustles that anyone can do. Then, Courtney and I share what we learned about money from our favorite fiction reads.
30 min
67
What I Will (And Won’t) Do With My Money This Year
Today’s episode is all about the best things to do with your money. I share what I’m not spending money on this year, and we look at whether Minority Mindset’s Jaspreet Singh gives trustworthy advice on what you should do with your next paycheck. Then I dive into why I’ll never, ever use a credit card. (Spoiler alert: They’re shadier than you realize.)
23 min
68
How to Invest (and Rest) Like a Rich Person
Let’s talk about how to build wealth (and still go on vacation!) in 2023. I’ll share with you guys how the rich invest, explain everything you need to know about the Fed, and show you how you can afford to go on vacation this year.
26 min
69
The Right (and Wrong) Ways to Buy Happiness
In this episode, we talk about how money affects your overall well-being. First, we look at what a minimalism expert says about how to buy happiness (is it possible?). Next, I sit down with Dr. John Delony to discuss the mental, relational and physical ways money impacts your life. And then we look at the habits keeping high-income earners broke.
38 min
70
How to Save Money Without Even Trying
You guys will love this episode because it’s all about super easy ways to save a lot. First, we talk about how to save $100 every month without even trying. Then, we go over eight one-time purchases that will save you big in the long run. To wrap up, we cover tips for spending less on the budget-buster that affects everyone: groceries.
22 min
71
What to Do Differently With Your Money in 2023 ...
Happy New Year, friends! To kick off 2023, we’re talking with the one and only Dave Ramsey about the best things to do with your money this year. We’ll also tackle how you can get out of debt even faster (including some great ideas for side hustles).
43 min
72
How to Know if You Won Financially in 2022 and ...
Can you believe 2022 is almost over? Let’s check in to see how we did on our financial goals over the past year and set ourselves up for success in the new year. We’ll go over how to know if you won with money in 2022, how to organize your home and your finances, and how to know when (or if) you need to change your homeowners insurance. Can’t wait to ring in 2023 with you guys!
32 min
73
10 Mistakes That Keep You in Debt (PLUS How to ...
’Tis the season . . . to be smart with money. First, we’ll cover 10 mistakes that can take a huge toll on your debt payoff (avoid these at all costs), and then I’ll go over a few ideas for affordable ways to make Christmas extra special this year!
16 min
74
Saving Big on the Small Things, Plus Which Gene...
This episode is all about the little things that can make a BIG impact on your wealth-building journey. We’ll uncover which super simple energy-saving devices can help cut your utility bills, talk with Shanna Hutcheson from Wellness for the Win about her favorite Aldi finds, plus learn which generation has the most debt and what they can do to turn things around.
31 min
75
The Biggest Lies We Believe About Wealth
In this episode, we tackle some common lies and misconceptions about wealth building (and it gets a little controversial). We’ll go over the four biggest lies people believe about becoming a millionaire, address the question of whether or not building wealth is a sin, and reveal the biggest danger to your net worth so you’ll know what to be aware of!
25 min