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These last few months of the year are prime time for overspending! In this episode, you’ll learn how to be intentional with your money in every season and make a game plan to stay on target.
In This Episode:
· How to Finish the Year Financially Strong
· 8 Ways to Beat Financial Stress
· Is $186K Enough to Make You Financially Secure Today?
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Whether you’re brand-new to investing or you’ve been at it for a while, there’s always more to learn about saving for retirement. In this episode, get answers to the most common investing questions so you can maximize your money.
In this episode:
· Answers to My Most-Asked Questions on Investing
· How to Invest With Just $100
· Why You Should Never Handle Your Finances Alone
Next Steps:
· π° Find out what’s possible with the Investment Calculator!
· πΈ Invest in your future with a SmartVestor Pro!
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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:
· π Save time and money weekly with the Grocery Savings Guide.
· π Read our article “How Much Should I Have in Savings?”
· π° Find out what’s possible with the Investment Calculator!
· π Make a plan with the Mortgage Payoff Calculator.
· π©π Pay off your loans faster with the Student Loan Payoff Calculator.
· π° Get ready for retirement with the Retirement Calculator.
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· π₯ Learn more about Christian Healthcare Ministries.
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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
· π₯ Learn more about Christian Healthcare Ministries!
· 𧩠Use code Rachel20 for 20% off your TruPlay annual subscription.
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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
· πΈ Learn to win with money by enrolling in Financial Peace University.
· π Strengthen your marriage and finances together. Tickets are now on sale for the 2025 Money & Marriage Getaway!
· π‘οΈ Connect with a RamseyTrusted pro today!
Offers From Today’s Sponsors
· π₯ Learn more about Christian Healthcare Ministries today!
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πΈ Smart Money Happy Hour
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π§ The Dr. John Delony Show
π° George Kamel
πΌ The Ken Coleman Show
π The EntreLeadership Podcast
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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
· π° Check out the Ramsey Car Guide.
· πΈ Take the 5-Minute Coverage Checkup.
Offers From Today's Sponsors
· π₯ Learn more about Christian Healthcare Ministries today!
· 𧩠Use code Rachel20 for 20% off your TruPlay annual subscription.
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πΈ Smart Money Happy Hour
ποΈ The Ramsey Show
π§ The Dr. John Delony Show
πΈ The Ramsey Show Highlights
π° George Kamel
πΌ The Ken Coleman Show
π The EntreLeadership Podcast
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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
· π° Find out your investments’ earning potential! Use the Ramsey Investment Calculator to predict your future nest egg: https://ter.li/b0fs9c
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πΈ Smart Money Happy Hour
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π΅ Start your free budget today. Download the EveryDollar app!
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
· π₯ Watch my video on mistakes to avoid when paying off debt.
· π¨ Head to my video to find out which home upgrades aren’t worth your money.
· π Check out my video on 10 great cars you can get for under $10,000.
· π‘ Sell your home with confidence! Partner with a RamseyTrusted real estate agent.
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πΈ The Ramsey Show Highlights
π° George Kamel
πΌ The Ken Coleman Show
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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
· π₯ Watch my video on where to shop for the best deals to beat rising food costs.
· π₯ Check out my video where I give tips for keeping things minimal when you have kids.
· π₯ Go to my video where I share life-changing lessons I’ve learned from minimalists.
· π Pick up a copy of my new kids book, I'm Glad for Where I Am.
· βΊοΈ Grab a copy of my other kids book, I’m Glad for What I Have.
Offers From Today's Sponsors
· π₯ Learn more about Christian Healthcare Ministries.
· 𧩠Use code Rachel20 for 20% off your TruPlay annual subscription.
Listen to More From Ramsey Network
πΈ Smart Money Happy Hour
ποΈ The Ramsey Show
π§ The Dr. John Delony Show
πΈ The Ramsey Show Highlights
π° George Kamel
πΌ The Ken Coleman Show
π The EntreLeadership Podcast
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π΅ Start your free budget today. Download the EveryDollar app!
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
· π₯ Watch my video where I reveal the money trap I fell into and share ways to avoid it.
· ποΈ Check out my video on the 7 things I won’t be buying this year.
· π΅ Go to my video about 5 lessons I’ve learned from budgeting.
· πΈ Learn to win with money by enrolling in Financial Peace University.
Offers From Today's Sponsors
· π₯ Learn more about Christian Healthcare Ministries.
· 𧩠Use code Rachel20 for 20% off your TruPlay annual subscription.
Listen to More From Ramsey Network
πΈ Smart Money Happy Hour
ποΈ The Ramsey Show
π§ The Dr. John Delony Show
πΈ The Ramsey Show Highlights
π° George Kamel
πΌ The Ken Coleman Show
π EntreLeadership
Ramsey Solutions Privacy Policy -
π΅ Start your free budget today. Download the EveryDollar app!
This week, I unpack the reasons some high earners struggle to save, reveal five financial numbers you should keep track of, and provide strategies to transform your income into long-lasting wealth. I also share clever tips for smart money management that will set you up for financial peace.
In This Episode:
· 5 Reasons Wealthy People Are Living Paycheck to Paycheck
· How to Actually Build Wealth on a High Income
· 5 Numbers You Must Track to Build Wealth
Next Steps
· π₯ Watch my video to learn how to create a budget from scratch.
· π‘ Go to my video for easy ways to pay off your mortgage early.
· π° Navigate your investments with expert guidance from SmartVestor Pro.
*Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.
· π Track your saving progress with the help our Investment Calculator.
Offers From Today's Sponsors
· π₯ Learn more about Christian Healthcare Ministries.
Listen to More From Ramsey Network
πΈ Smart Money Happy Hour
ποΈ The Ramsey Show
π§ The Dr. John Delony Show
πΈThe Ramsey Show Highlights
π° George Kamel
πΌ The Ken Coleman Show
π EntreLeadership
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Join in this week’s episode as I share my favorite brand name splurges, dish on popular products that aren't worth their price tag, and reveal signs that you might own too much stuff—it’s all about learning how to spend smart!
In This Episode:
· Brand Name Products That Are Worth the Money
· Popular Products That Are a Waste of Money
· 9 Sneaky Signs You Own Too Much Stuff
Next Steps
· π₯ Watch my video on the Amazon picks I’m currently loving and hating.
· π©Ί Check out my video on which types of insurance you do and don’t need.
· π΅ Go to my video with Minimal Mom where we reveal what we don’t spend money on.
· π Get a free quote! Shop for health coverage you can trust from Zander Insurance.
Offers From Today's Sponsors
· π₯ Learn more about Christian Healthcare Ministries.ο»Ώ
· 𧩠Use code Rachel20 for 20% off your TruPlay annual subscription.
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πΈ The Ramsey Show Highlights
π° George Kamel
πΌ The Ken Coleman Show
π The EntreLeadership Podcast
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This week, I'm talking about what to do once you’ve saved your first $1,000, revealing the hidden truth behind 0% interest deals, and exploring successful investing routines. I weigh in on some popular financial advice, offer smart steps for saving, and share habits that help grow your wealth.
In This Episode:
· 5 Things to Do After Saving $1000
· What’s the Catch With 0% Interest?
· My Annual Investment Routine
Next Steps
· π₯ Watch my video on 25 fast ways to save $1,000.
· π Check out my video on five cars to never waste your money.
· π΅ Go to my video revealing six legit ways to earn passive income.
· πΈ Learn to win with money by enrolling in Financial Peace University.
· π° Navigate your investments with expert guidance from SmartVestor Pro.
Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.
Offers From Today's Sponsors
· π₯ Learn more about Christian Healthcare Ministries.
· 𧩠Use code Rachel20 for 20% off your TruPlay annual subscription
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πΈ The Ramsey Show Highlights
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π EntreLeadership
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Learning how to save and invest your money the right way is a crucial step toward achieving financial security—and more importantly, financial peace. Here’s how you can get started at any level.
Next Steps
· π Connect with a SmartVestor Pro in your area today!
· π» Start building wealth with Financial Peace University.
Offers From Today's Sponsors
· π₯ Learn more about Christian Healthcare Ministries.
· 𧩠Use code Rachel20 for 20% off your TruPlay annual subscription
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In this week's episode, I'm talking about fun ways to get little ones to love playing outside, unpacking "money dysmorphia" with tips for a healthy money mindset, and responding to your most-asked Instagram questions on finance and more.
In This Episode:
Five ways to really get kids off screens (with Ginny Yurich)
The real reason you feel behind financially
The top five questions I get asked on Instagram
Next Steps
π₯ Watch my video on 21 fun and budget-friendly things to do with kids.
π Check out my video on how feeling fulfilled can help save you money.
π° Go to my video where I break down which budgeting method actually works.
π Pick up a copy of my new kids book, I'm Glad for Where I Am.
β Keep up with Ginny Yurich on Instagram.
π Grab a copy of Ginny’s book Until the Streetlights Come On.
π± Listen to Rachel’s guest episode with Ginny on The 1000 Hours Outside Podcast.
π Shop for my recent reads below!
Wild Things: The Art of Nurturing Boys
The Women
The Teacher
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πΈ Smart Money Happy Hour
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π° George Kamel
πΌ The Ken Coleman Show
π EntreLeadership
Ramsey Solutions Privacy Policy -
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From talking about money in your marriage, to smart insights on home refinancing, to which home renovations really add value—in this week's episode, I'm sharing my tips for navigating major financial decisions with confidence.
In This Episode:
· How to Talk About Money in Your Marriage (Without Ending It)
· Is Refinancing Always a Good Idea?
· Home Upgrades That Are (and Aren’t) Worth the Money
Next Steps
· π₯ Watch my video on my most hated financial advice .
· π€« Check out my interview with my husband on TRS about real estate.
· β Go to my video on the weird things people do to save money.
· π Find financing options with the trusted pros at Churchill Mortgage.
· π΅ Make a monthly budget today with my favorite budgeting app, EveryDollar.
· π° Use our calculator to calculate your mortgage payoff date.
Offers From Today's Sponsors
· π₯ Learn more about Christian Healthcare Ministries.
Listen to More From Ramsey Network
πΈ Smart Money Happy Hour
ποΈ The Ramsey Show
π§ The Dr. John Delony Show
πΈ The Ramsey Show Highlights
π° George Kamel
πΌ The Ken Coleman Show
π EntreLeadership
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π΅ Sign up for EveryDollar today. Create a free budget!
In this week’s episode, I unpack the ins and outs of wealth-building, financial self-care, and savvy grocery shopping. I give my honest opinions on the 7 Baby Steps, guide you through a financial self-care routine that’ll help you build a life you love, and expose some grocery shopping mistakes that can cost you.
In this episode:
· Rating My Own Financial Advice
· 10 Ways You’ve Been Grocery Shopping All Wrong (With Jade Warshaw)
· The Ultimate Financial Self-Care Routine
Next Steps
· π₯ Watch my video on how to set up a budget using EveryDollar.
· π€« Check out my video with Jade Warsaw on the secrets to overcoming six-figure debt.
· β Keep up with Jade Warshaw on Instagram.
· πΈ Find out what to do with the money in your paycheck.
· π Learn to win with money by enrolling in Financial Peace University.
Offer From Today's Sponsor
· π₯ Learn more about Christian Healthcare Ministries.
Listen to More From Ramsey Network
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Sometimes, you have to wonder, “When did things get so expensive?” In this episode, find out how to keep inflation from ruining your budget, including tips on:
- Feeding your family for less than $100 in a week
- Which expenses you can easily cut from your budget
- How to manage affording childcare
Next Steps
· π₯ Watch my The Right Way To Do A No Spend Challenge video to try a “No Spend” month!
· π Pick up a copy of my new kids book I'm Glad For What I Have!
· π΅ Start saving on groceries with my favorite budgeting app, EveryDollar!
Offers from Today's Sponsors
· π₯ Learn more about Christian Healthcare Ministries.
Listen to more from Ramsey Network
ποΈ The Ramsey Show
π§ The Dr. John Delony Show
πΈ Smart Money Happy Hour
π‘ The Rachel Cruze Show
πΈ The Ramsey Show Highlights
π° George Kamel
πΌ The Ken Coleman Show
π EntreLeadership
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π΅ Sign up for EveryDollar today. Create a free budget!
This episode is one huge PSA! I’ll go over some of the worst debt trends and traps that steal your paycheck—and what you can do to steer clear of them so you can use your money to create a life you love.
In This Episode:
· Financial Goals That Are Impossible With Debt
· The Sad Reality of Credit Card Rewards
· The Financial Trend That Is Robbing You Blind
Next Steps:
· π Check out the Investment Calculator: https://www.ramseysolutions.com/retirement/investment-calculator
· π‘ Work with Churchill Mortgage to buy a home without a credit score: https://www.ramseysolutions.com/real-estate/mortgage-loans
· πΈ Take Financial Peace University: https://www.ramseysolutions.com/ramseyplus/financial-peace
· π₯ Watch “How Financially Smart Are You?" here: https://www.youtube.com/watch?v=MOU0tPd_8RE
Offers From Today's Sponsors
π₯ Learn more about Christian Healthcare Ministries.
Listen to More From Ramsey Network
ποΈ The Ramsey Show
π§ The Dr. John Delony Show
πΈ Smart Money Happy Hour
π‘ The Rachel Cruze Show
πΈ The Ramsey Show Highlights
π° George Kamel
πΌ The Ken Coleman Show
π EntreLeadership
Ramsey Solutions Privacy Policy -
π΅ Sign up for EveryDollar today. Create a free budget!
From getting sucked in to one too many sales to overspending on our summer wardrobe (hello, trendy new sunglasses), we’ve all made money mistakes at some point. In this week’s episode, I’m sharing twelve common financial fails—so we can be extra careful about avoiding them!
In This Episode:
· 5 Sneaky Ways Stores Make You Spend More
· 3 Job-Hopping Errors That Will Impact Your Wallet
· 4 Financial Mistakes People Are About to Make
Next Steps:
· π Are you wasting money at your favorite stores? https://www.youtube.com/watch?v=Z1dksNiuToo
· π Get investing help from a pro: https://www.ramseysolutions.com/retirement/dave-ramsey-smartvestor?campaign_name=SV_PaidSearch&gad_source=1&gclid=CjwKCAjwoPOwBhAeEiwAJuXRh8IOa2FUC2pOZdDm-qKuFyQm0BuAlOFjHD3hyl56H_E1JWeLYpEJMRoCim4QAvD_BwE
· π€© Set financial goals at any income level: https://youtu.be/9q-UTjlP3hI
· π Check out these affordable staycation ideas: https://www.ramseysolutions.com/saving/staycation-ideas
· π Try these tech-free summer activities that your kids will actually like: https://www.youtube.com/watch?v=qYSe-2ZRxzU
· π° Spark family conversations about gratitude with my latest kids book: https://store.ramseysolutions.com/youth/children/im-glad-for-where-i-am-by-rachel-cruze/
Offers From Today's Sponsors
π₯ Learn more about Christian Healthcare Ministries.
Listen to more from Ramsey Network
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π§ The Dr. John Delony Show
πΈ Smart Money Happy Hour
π‘ The Rachel Cruze Show
πΈ The Ramsey Show Highlights
π° George Kamel
πΌ The Ken Coleman Show
π EntreLeadership
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