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Rachel Cruz

๐Ÿ‘ค Speaker
See mentions of this person in podcasts
1201 total appearances

Appearances Over Time

Podcast Appearances

The Ramsey Show
Early Money Decisions Shape Your Financial Future

But it seems like some of the people I've got that are close to me have advised against this.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

And I wanted to ask the pros, and they listened to the show, so I'm excited to hear what you guys have to say.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

I bought the house for $250,000, put about $30,000 down, so I've got about $220,000 roughly.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

Yeah, so actually I sold both vehicles that I had at the time, and now I'm driving around in beaters.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

Roughly $130,000 a year.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

Okay.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

So I make the house payment in less than a week, but the main motivator for why I'm doing what I'm doing or thinking of doing what I'm doing is

The Ramsey Show
Early Money Decisions Shape Your Financial Future

And, you know, I could basically come out even if I rented that and stayed in the shop house, I could have my bills paid for for free, basically.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

She, so we live in the house currently and she doesn't want to move out into the shop house, even though I think it's nice enough for us.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

So for me, it's making sense from a lot of different angles.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

She is a gym coach for little girls, and they actually went to the Junior Olympics this year.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

That's sweet.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

That was really nice.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

I love for her to follow her dreams.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

And then I decided to start a business last July and I'm generating through that business after, after like in, in profit after,

The Ramsey Show
Early Money Decisions Shape Your Financial Future

I'm bringing in about half of my income, um, from that I make at my day job.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

Now we did have about eight grand in debt because of that starting the whole business and everything.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

And then, uh, we just used our taxes to pay that back like substantially.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

So now we only have about two grand in debt.

The Ramsey Show
Early Money Decisions Shape Your Financial Future

Um,