The Rachel Cruze Show

5 Reasons You Think a Budget Won’t Work for You

04 Aug 2025

Contributed by Lukas

💵 The simplest way to budget. Download the EveryDollar app for free!   Think a budget isn’t for you? In this episode, I’ll break down five c...

The Midyear Money Reset You Didn’t Know You Needed

01 Aug 2025

Contributed by Lukas

💵 The simplest way to budget. Download the EveryDollar app for free!   You don’t have to wait for a new year to start fresh with your life and...

The 3 Step Formula For Finding A Job You Love (With Ken Coleman)

30 Jul 2025

Contributed by Lukas

💼 Find out what you were born to do. Take the Get Clear Career Assessment. Today’s special guest is my friend, professional development expert...

Listener Confessions: Craziest “It Was on Sale” Purchases 

28 Jul 2025

Contributed by Lukas

💵 The simplest way to budget. Download the EveryDollar app for free!   Have you ever bought something totally random just because it was on sale...

Want to Be a Stay-at-Home Parent? Start With These Questions

25 Jul 2025

Contributed by Lukas

💵 The simplest way to budget. Download the EveryDollar app for free! Trying to decide whether to be a working parent or a stay-at-home parent? I...

TikTok Has Strong Opinions About This Controversial Marriage Topic

23 Jul 2025

Contributed by Lukas

📈Are you on track with the Baby Steps? Get a free personalized plan. I believe married couples should share finances . . . but the internet does...

9 Tiny Habits That *Actually* Improved My Life (And Money)

21 Jul 2025

Contributed by Lukas

💵 The simplest way to budget. Download the EveryDollar app for free! You don’t need a secret formula to win with money—just some consistency...

When Did We Start Paying for Stuff That Used to Be Free?

18 Jul 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   From airline snacks to shopping bags, is nothing free anymore? 😩 In t...

Reacting to Celebs’ Thoughts on Nepo-Babies and Spoiled Kids

16 Jul 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   I’ll be the first to admit there are real advantages to being a nepo b...

Building  Vs. Buying a House: Which Is Better? 

14 Jul 2025

Contributed by Lukas

🛡️Find all the tools to reach your home goals in our Real Estate Home Base.    Torn between building your dream home or buying one that’s m...

Every Mom Struggles with This. . . But No One Talks About It

11 Jul 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Do you ever feel like being a mom has taken over your whole life? In thi...

Biggest Financial Mistakes When Buying a Car (With The Car Mom)

09 Jul 2025

Contributed by Lukas

🚙 Get the free Ramsey Car Guide. In this special episode, The Car Mom’s Kelly Stumpe shares the biggest mistake you can make when buying a car, ...

Toxic Money Lies That Are Keeping You Broke

07 Jul 2025

Contributed by Lukas

💵 The simplest way to budget. Download the EveryDollar app for free! Have you started to believe the lie that you’re just “bad with money”? ...

Why Less Really Is More—in Money, Faith and Beyond

04 Jul 2025

Contributed by Lukas

📚 Get Rachel Cruze’s Kids Book Bundle.   I’m typically a quantity over quality kind of girl—except for these four areas of life. In this e...

The Annual Dream Date My Husband and I Never Skip

02 Jul 2025

Contributed by Lukas

💰 Invest in your future with a Smartvestor Pro.  Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.  There’s one thing my...

Why So Many High Earners Still Live Paycheck to Paycheck

30 Jun 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. If it still feels like you’re living paycheck to paycheck even though yo...

Marrying Into Debt: How Much Is Too Much?

27 Jun 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Should debt be a deal breaker when you’re thinking about marrying someon...

Why I Never Panic When the Stock Market Dips (And You Shouldn’t Either!) 

25 Jun 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. The stock market has its ups and downs, but that doesn’t mean you need to...

Unexpected Ways Money Might Be Ruining Your Life  

23 Jun 2025

Contributed by Lukas

✍️ Start your 90-day journey to lasting contentment with The Contentment Journal. Money can be a blessing, but without intentionality, it ca...

How to Actually Enjoy Your Life (Even on a Budget)

20 Jun 2025

Contributed by Lukas

💵 The simplest way to budget. Download the EveryDollar app for free!    Yes, you can still have fun on a budget—and I can prove it! In this e...

Money Lessons We’ve Learned in 15 Years of Marriage (With Winston Cruze)

18 Jun 2025

Contributed by Lukas

💍 Get your tickets for our Money & Marriage Getaway happening February 12–14, 2026. Today’s special guest is my amazing husband, Winston Cru...

What America’s #1 Wealth Killer Is Actually Costing You

16 Jun 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Could the #1 wealth killer in your life be parked in your garage? In this ...

5 Powerful Ways to Redefine Wealth (It’s Not Just Money)

13 Jun 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Let’s be real—money can be helpful, but it’s not going to magically ...

The Proven Plan That Helped Her Pay Off $460,000 In Debt (with Jade Warshaw)

11 Jun 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. The truth is, debt is a thief, but not everyone is taught that. In this ep...

Tips for Navigating Routine Changes as a Busy Parent

09 Jun 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’re someone who thrives on structure, changes to your routine can ...

When to Say “No” According to Dave Ramsey (Are These Legit?)

06 Jun 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. I found a list of “13 Times Dave Ramsey Wants You to Say No” and I cou...

My Favorite Apps I Use Every Single Day

04 Jun 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. I know technology gets a bad rap sometimes—but it can actually make life...

16 Ways to STOP Throwing Your Money Away

02 Jun 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. No matter how much money you make, it’s way too easy to overspend. In th...

The BIGGEST Mistakes Newlyweds Make in the First Year

30 May 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   If you’re engaged or recently married, you’ve probably heard all the...

I Didn't Budget for 2 Weeks – Here's What Happened

28 May 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   So, I didn’t budget for two whole weeks, and you guys won’t believe ...

7 Signs You Are WAY Above Average (Shocking Money Stats!)

26 May 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   You might not feel rich, but you may be doing better with money than you...

Why Rest Feels Unproductive (And Why That’s a Lie)

23 May 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Let’s be real—sometimes, rest can feel like one more thing on your to-...

Why People with the Same Income End Up Rich or Broke

21 May 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Winning with money isn’t about how much you make—it’s about how you ...

The Billion-Dollar Scheme You Didn't Know You Were a Part Of

19 May 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Credit cards might feel like just a normal part of life—but should they ...

Why “I’ll Be Happy When. . .” Is a Lie

16 May 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Thinking “I’ll be happy when I have more money” never leads anywhere g...

The Hidden Financial Challenges Wealthy Parents Face

14 May 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. There’s one money struggle almost all wealthy families can relate to. In t...

6 Things I Teach About Money That’ll Make You Angry or Wealthy

12 May 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. In this episode, let’s lean into the controversy. Find out which of my mon...

Stop Feeling Behind While Scrolling Social Media (My Honest Advice)

09 May 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Summer break is such a gift—until comparison starts creeping in. In this e...

Two Times I’ve Disagreed with Dave Ramsey

07 May 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Believe it or not, I don’t always agree with Dave Ramsey on money advice! ...

Do This Now to Avoid Money Problems in Your Marriage Later

05 May 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Debt or no debt, money fights are real! In this episode, you’ll learn how ...

Why Mastering Your Money Changes Everything (with Lewis Howes) 

02 May 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. In this special episode, podcast host and bestselling author Lewis Howes unpa...

21 Budget-Friendly Housewarming Gifts They’ll Love

30 Apr 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. I know you love celebrating your friends, but you don’t have to blow your b...

Where Dave Ramsey’s Baby Steps Really Came From

28 Apr 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Ever wondered how Dave Ramsey created the Baby Steps? In this episode, you...

5 Quick Ways to Cut Costs (Even If You Love to Spend)

25 Apr 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Cutting costs is tough when you love to spend—trust me, I get it! But in t...

3 Times This Underrated Savings Hack Changed My Life

23 Apr 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. There are tons of ways to save, but one of the biggest money-savers out ther...

10 Habits That Scream “I’m Trying to Look Wealthy” (My Reaction)

21 Apr 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Do you want to actually be rich or just look rich? In this episode, I’ll r...

When Spending Extra to Save Time Is 100% Worth It

18 Apr 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   What if your budget could actually improve your quality of life? In this e...

The “Money Talk” Every Family Needs to Have

16 Apr 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Talking about the future with your aging parents might feel tough—but it...

Social Media Memes Expose Our Toxic Money Habits

14 Apr 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Let’s be real—there are some money fails we can all relate to. In this...

5 Ways to Maximize Your Money in a Dual-Income Household

11 Apr 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Managing finances with your spouse doesn’t have to feel stressful! In th...

10 Things Quickly Becoming Too Expensive for the Middle Class

09 Apr 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   If rising prices have you concerned, you’re not alone! In this episode, ...

13 Everyday Products That Were Actually Worth the Money

07 Apr 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Have you ever spent money and had serious regret about it later? Well, not...

8 New Money Scams to Watch Out For

04 Apr 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Have you noticed money scams just keep getting sneakier? In this episode, ...

5 Money Lessons They Don’t Teach in High School

02 Apr 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   If you learned more about pi in high school than how to file your taxes, y...

8 Mistakes You’re Making with Everyday Expenses

31 Mar 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   We can’t escape the basic cost of living, but there are ways to spend le...

Save $5,000 in 3 Months?! (4 Easy Money Challenges to Try)

28 Mar 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   If you have a savings goal, the key to reaching it is going all in—even ...

Why the Housing Market Might Feel Impossible Right Now

26 Mar 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Does it feel like the housing market is totally out of control? In this ep...

7 Money Lessons from Boomers’ Wins and Regrets

24 Mar 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   The truth is, there’s something every generation can teach us about pers...

5 Money Habits That Will Change Your Life (If You Actually Do Them)

21 Mar 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Let’s be real—knowing what to do with your money and actually doing it...

5 Numbers Everyone MUST Know Before Retiring

19 Mar 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Investing for retirement can feel overwhelming, but it doesn’t have to b...

My Honest Advice to Someone Who Wants Financial Freedom

17 Mar 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   If you really want to win with money, belief alone isn’t enough to chang...

7 Drastic Ways People Are Trying to Save Money (My Reaction)

14 Mar 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Is living on a cruise ship a creative money-saving hack or just plain crazy?...

Tempting Money Traps That Are Too Good To Be True

12 Mar 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. I know credit card miles seem like free travel . . . but are they really? In...

How to Be a Millionaire on a Low Salary

10 Mar 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Even if you never make a crazy high salary, you can still be a millionaire. ...

How to Turn Comparison into a Wealth Building Strategy

07 Mar 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Instead of letting comparison steal your joy, let it be the motivation you n...

This Couple Turned Paying Off $32,000 Into a Game (My Reaction)

05 Mar 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Sometimes it pays to get creative (literally!). In this episode, hear about ...

What Your 7 Money Tendencies Say About You

03 Mar 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Some of us are natural savers and some of us (🙋‍♀️) are natural spe...

Manage Your Money So You Never Go Broke

28 Feb 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. The fear of going totally broke is real, but it doesn’t have to be your re...

How a Mortgage Actually Works 

26 Feb 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. Buying a house is exciting, but it also comes with a lot of questions. In th...

7 Creative Side Hustles for An Extra $1,000 a Month 

24 Feb 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan. In this episode, find out which seven side hustle ideas you can try to earn ...

5 Simple Habits for Building Wealth (This Made Me a Millionaire)

21 Feb 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   When it comes to building wealth, consistency is key. In this episode, you...

9 Reasons Your Insurance Coverage Might Not Be Enough

19 Feb 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   The last thing you want is to realize too late that you don’t have the c...

3 Major Money Villains Hiding in Plain Sight

17 Feb 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   You’ve probably heard people talk about “good debt,” but the truth i...

11 Items Frugal People Aren’t Buying Anymore

14 Feb 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   You might be frugal if . . . you stopped ordering pizzas and started makin...

How Much Cash In the Bank Is Too Much (or Too Little)?

12 Feb 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Cash in the bank is great, but is it ever possible to have too much? In th...

10 Ways You’re Losing Money Without Realizing It

10 Feb 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Could you be losing out on money and not even know it?  In this episode, ...

8 Subtle Ways to Spot a “Quiet Millionaire”

07 Feb 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan In this episode, I’m reacting to eight signs that someone might be a “qu...

4 Essential Expenses to Prioritize Despite Inflation

05 Feb 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan From the grocery store to the gas pump, we’re all feeling the squeeze of i...

Are Your Habits Broke, Average or Wealthy?

03 Feb 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan   Would your money habits say you’re broke, average or wealthy? In this ep...

What Celebrities Get Right (and Wrong) About Money

31 Jan 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan   Did you know LeBron James is a big-time saver? In this episode, find out w...

6 Minimalist Habits that Improve Your Life and Money

29 Jan 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan   There’s more to a minimalist lifestyle than just decluttering your home!...

Are Women Becoming Wealthier than Men?

27 Jan 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan   Did you know women are now becoming wealthier than ever before? In this ep...

What Income Puts You In Upper, Middle and Lower Class?

24 Jan 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan   Ever wonder how your income compares to that of the average American? In t...

The True Price of Living with Debt

22 Jan 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan   What if I told you that debt is costing you way more than you realize? In ...

The One Cost of Living Rule I Swear By

20 Jan 2025

Contributed by Lukas

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan I know it may feel like your goal of owning a home is a moving target, but d...

9 Questions to Help You Choose the Right Financial Advisors

17 Jan 2025

Contributed by Lukas

💵 Start your free budget today. Download the EveryDollar app!   When you have questions about money, it’s important to ask someone you can trust...

Find an Extra $400 in Your Budget in Just 24 Hours

15 Jan 2025

Contributed by Lukas

💵 Start your free budget today. Download the EveryDollar app!   What if I told you that you have more money than you think? In this episode, you’...

The Worst Ways to Pay Off Your Debt

13 Jan 2025

Contributed by Lukas

💵 Start your free budget today. Download the EveryDollar app!   Is there ever a bad way to get rid of your debt? (Spoiler alert: Yes!) That’s wh...

How to Invest the Right Way in 2025

10 Jan 2025

Contributed by Lukas

💵 Start your free budget today. Download the EveryDollar app!   Investing is one of the best ways to set yourself up for the future, but how do yo...

Reacting to the Top 5 Money Predictions for 2025

08 Jan 2025

Contributed by Lukas

💵 Start your free budget today. Download the EveryDollar app!   In today’s episode, I’ll react to the top five money predictions for 2025 and ...

Money Habits You Need to Change Right Now (with Dave Ramsey)

06 Jan 2025

Contributed by Lukas

💵 Start your free budget today. Download the EveryDollar app!    Are you ready for a fresh start when it comes to your money? In this special epi...

28% of Credit Card Users Have This Problem

03 Jan 2025

Contributed by Lukas

💵 Start your free budget today. Download the EveryDollar app!   If you went overboard during the holidays and you’re carrying debt into the new ...

Why You Shouldn’t Make New Year's Resolutions This Year

01 Jan 2025

Contributed by Lukas

💵 Start your free budget today. Download the EveryDollar app!   Tired of giving up on your New Year’s Resolutions three weeks into every year? W...

How Do Your Monthly Expenses Compare to the Average American’s?

30 Dec 2024

Contributed by Lukas

💵 Start your free budget today. Download the EveryDollar app!   Did you know the average American spends over $1,000 a month just on transportatio...

The 7 Stages of Wealth Building (Where Do You Fall?)

27 Dec 2024

Contributed by Lukas

💵 Start your free budget today. Download the EveryDollar app.     Wealth building is a journey. Let’s talk about the seven stages of wealth bui...

FINISH THE LYRICS: Popular Christmas Songs Quiz

25 Dec 2024

Contributed by Lukas

💵 Start your free budget today. Download the EveryDollar app!     Play along as I find out whether I really know the words to these classic Chris...

45% of Americans Are Taking On Debt for THIS?

23 Dec 2024

Contributed by Lukas

💵 Start your free budget today. Download the EveryDollar app!     Are amazing experiences worth going into debt? Find out if you’re falling for...

How Luxury Brands Are Getting You to Spend More

20 Dec 2024

Contributed by Lukas

💵 Start your free budget today. Download the EveryDollar app!    Having nice things isn’t bad, but too much of a good thing can become a proble...

The Fastest Way To Pay Off Debt in 2025

18 Dec 2024

Contributed by Lukas

💵 Start your free budget today. Download the EveryDollar app! What if your goal to become debt-free in 2025 is closer than you think? In this epis...

3 Healthy Money Boundaries to Set With Family

16 Dec 2024

Contributed by Lukas

💵 Start your free budget today. Download the EveryDollar app!   Have you ever lent money to a family member and later regretted it? In this episod...