Rachel Cruze author photo

Rachel Cruze

Rachel Cruze is a personal finance author and speaker who focuses on budgeting, debt avoidance, saving, and everyday money habits. Known for Love Your Life, Not Theirs and Know Yourself, Know Your Money, she has helped popularize practical financial education through books, media appearances, and her work with Ramsey Solutions.

Biographie et Parcours de l'Auteur

Rachel Cruze’s public career grew out of a family story already shaped by financial collapse and recovery. As the daughter of Dave Ramsey, she grew up watching her parents rebuild after bankruptcy and construct what became Ramsey Solutions, absorbing early lessons about giving, saving and staying out of debt. At the same time, her own account of herself is important to understanding her voice: she was not naturally the stereotypical budget enthusiast, but a more free-spirited spender who had to learn discipline firsthand. That tension became central to her credibility. After earning a Bachelor of Arts in communication from the University of Tennessee, marrying Winston Cruze and starting a family, she joined Ramsey Solutions in 2010. ((https://www.ramseysolutions.com/rachel-cruze))

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Citations

quote
A budget doesn’t limit my freedom—it gives me freedom
-How to Change Your Money Mindset
quote
Giving is the most fun you can have with money
-How to Change Your Money Mindset
quote
If I don’t have the money, I don’t buy it
-How Contentment Can Make You Rich
quote
Contentment is being at peace with where you are
-How Contentment Can Make You Rich
quote
Patience is important in all areas of life. Have patience with your money too!
-What Is Afterpay?
quote
Retail therapy doesn’t fix your problems. It just distracts you from them for a bit
-Retail Therapy: Are Emotions Draining Your Wallet?
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It’s on you to tell your money where to go each month and then follow through with that plan
-Impulse Buying: What It Is and How to Stop
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You’re not just a teacher. You’re a life-changer
-The Teachers Who Change Everything
quote
Plain and simple, lifestyle creep is when your income goes up and your spending creeps right up to meet it
-What Is Lifestyle Creep?

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Sex, Relationships & Personal Finance

Sex, Relationships & Personal Finance

PLAN D'APPRENTISSAGE

Sex, Relationships & Personal Finance

Financial stress is a leading cause of relationship friction, yet these two pillars of life are rarely taught together. This plan is designed for couples and individuals looking to harmonize their emotional intimacy with practical wealth-building strategies to ensure long-term stability.

2 h 52 m4 Sections
Love, Finance, Relationships & Behavior Sci

Love, Finance, Relationships & Behavior Sci

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This plan bridges the gap between emotional intimacy and financial logic, addressing the two most common stressors in adult life. It is ideal for individuals or couples seeking to master the behavioral science behind successful relationships and smart money management.

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How to be more frugal

How to be more frugal

PLAN D'APPRENTISSAGE

How to be more frugal

This learning plan is essential for anyone feeling trapped by financial stress, living paycheck to paycheck, or wanting to take control of their financial future. It's particularly valuable for young professionals, families looking to reduce debt, or anyone seeking financial independence and the freedom that comes with intentional, frugal living. By combining mindset shifts with actionable strategies, this plan offers a comprehensive path from financial anxiety to empowered abundance.

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Habits, Personal Finance & Mindfulness

Habits, Personal Finance & Mindfulness

PLAN D'APPRENTISSAGE

Habits, Personal Finance & Mindfulness

This learning plan is essential for anyone feeling overwhelmed by financial stress or stuck in unproductive routines. It provides a unique blend of behavioral science and mindfulness, making it ideal for individuals seeking to align their personal values with their financial habits.

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Reach financial freedom and enjoy life more

Reach financial freedom and enjoy life more

PLAN D'APPRENTISSAGE

Reach financial freedom and enjoy life more

This plan is designed for individuals seeking to transition from financial stress to total autonomy. It provides a comprehensive roadmap for anyone wanting to master their finances while ensuring their wealth serves a purposeful, high-quality life.

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Financial Freedom

Financial Freedom

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Financial Freedom

This comprehensive financial education plan is essential for anyone seeking to take control of their financial future and build lasting wealth. Whether you're struggling with debt, living paycheck-to-paycheck, or already on a wealth-building journey, this structured path provides the knowledge and strategies to achieve financial independence. Perfect for aspiring early retirees, entrepreneurs, and anyone committed to transforming their financial reality through proven, systematic approaches.

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Love Like Hate, Made Money

Love Like Hate, Made Money

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Love Like Hate, Made Money

This learning plan bridges the gap between emotional mastery and financial success, recognizing that wealth creation requires both psychological sophistication and practical money skills. It's ideal for ambitious professionals, entrepreneurs, and anyone who wants to leverage their emotional intelligence for tangible results while building lasting wealth. Perfect for those tired of choosing between passion and profit, or between emotional fulfillment and financial security.

2 h 10 m4 Sections
Boost brainpower & secure finances

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PLAN D'APPRENTISSAGE

Boost brainpower & secure finances

This learning plan is essential for anyone feeling stuck in cycles of unclear thinking, poor communication, or financial instability. Whether you're a young professional wanting to accelerate your career, someone struggling with debt and savings, or anyone seeking to transform how they think, speak, and manage money, this comprehensive approach addresses the core skills that drive personal and financial success.

2 h 15 m4 Sections

Voix de la Communauté

"Rachel Cruze may be best known for her role as Dave Ramsey’s daughter, but she has become a star in her own right"

Forbes

"Rachel Cruze, a Ramsey Personality and the daughter of Dave Ramsey, is a financial expert and best-selling personal finance author in her own right"

AOL

"Personal finance expert and best-selling author Rachel Cruze joins us to dish out tips on managing money during the coronavirus crisis"

FOX 32 Chicago

"While Rachel Cruze stands in the shadow of her famous father, she is a financial expert in her own right"

Forbes

"Personal finance expert Rachel Cruze is a pro when it comes to budgeting"

GOBankingRates

"Personal finance expert and nationally recognized speaker and author Rachel Cruze joined Dave Davis with some back-to-school budgeting ideas"

News On 6

"Rachel Cruze is a personal finance expert and the author of Know Yourself, Know Your Money"

GOBankingRates

"Financial expert and podcast host Rachel Cruze gives advice on how to save money amid record-high inflation"

Fox Business

"Rachel Cruze, best-selling author and daughter of Dave Ramsey, joins Matt & Abby to spill money tips every couple needs to hear"

Matt & Abby

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