Rachel Cruze

speaker

34,752 appearances 226 recordings 2 series first heard May 2022 last heard 25 Aug

Rachel Cruze’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 55 in all, peaking in Aug 2026 with 8.

Appearances

newest first · ▶ plays the moment

The Ramsey Show · It's Never Too Late To Start Over · 18 Aug 2026 podcast

The past couple of months, амі, if the payments have been consistent. matched

Where and you guys have been short age uh eight hundred bucks. matched

Are you going deeper into debt or do you have savings that you're taking from to cover that eight hundred? matched

Well, I'm glad you called Sam, 'cause yeah, we're gonna be able to really just walk you down what we call the baby steps. matched

And and you're gonna have to in order to make this work. matched

is it's gonna have to be a complete 180 of what you guys have been doing, how you guys have been making decisions, buying things, how you've not been budgeting, how you you know me, everything you've been doing, you're pretty much gonna just do the opposite. matched

And so the fastest way to do it is that first step is a thousand dollars and and you keep it yep in that high yield savings account and don't touch it. matched

And then you're gonna be looking at a mountain of debt. matched

And as you list it out smallest to largest and you said we have a lot of debt. matched

So if it's multiple credit cards, multiple student loans, I mean like literally write them all individually out. matched

and actually look at it and say, Okay, this is where all of our money is going. matched

Um matched

And it's probably gonna be pretty shocking. matched

You may have already done that 'cause you guys said you plugged in your um income to every dollar. matched

And then from there you're gonna have to figure out, Okay, we're gonna be working extra, we're gonna be selling some stuff to get some cash in fast, we're gonna cut our lifestyle and instead of matched

You know, acting like you make two hundred, we're gonna act like we make eighty. matched

We're gonna live on nothing. matched

Nothing. matched

in order to get this margin up to start knocking out this debt. matched

But the great thing is too, Sam, is as you guys start paying it off. matched

Showing 1521–1540 of 34,752 · page 77 of 1738