Rachel Cruze – Helping Us Win Money with Class

Rachel Cruze is a wife, a mother, a certified financial coach, a #1 New York Times bestselling author and seasoned communicator.  Rachel helps Americans learn the proper ways to handle money and stay out of debt. She’s authored multiple bestselling books, including Know Yourself, Know Your Money,  Love Your Life, Not Theirs, Contentment Journal, Smart Money Smart Kids, and a children’s book, I’m Glad for What I Have. The daughter of Dave Ramsey, she uses the knowledge and experiences from growing up in the Ramsey household to educate others. She’s the host of The Rachel Cruze Show on YouTube and podcast, co-hosts Smart Money Happy Hour with George Kamel, and co-hosts The Ramsey Show, often with her Dad!  Check out the links below to follow her!

Takeaways:

1. Avoiding the comparison game.  This is a tough one when it comes to the money game because, as Rachel says, whether its social media, the news, or almost anywhere else, the opportunities for us to compare ourselves to others surround us. So, we have to be intentional about getting to a place of peace.  This comes from the right combination of foundation and fulfillment that comes from putting in the work.  Once we’re at this level of peace, we’re a LOT less susceptible to the comparison game.  And, as Rachel says, we can actually get to a place of celebrating others and turn the viewing of others’ success as a positive experience.
2. Knowing ourselves.  I love the notion – like the title of her book tells us – to know ourselves so that we can really figure out our true relationship with money.  As we’ve said with winning with class and pursuing your complete – you gotta do the work.  We all need to look in the mirror, dig deep and figure out what is driving our relationship with money.  Self-awareness is critical in all areas of life and Rachel confirms that the money game is no different.
3. I love how Rachel makes the point that personal finance is 80% behavior, 20% head knowledge.  This isn’t complicated.  We can all get the knowledge we need to have a solid money game.  It’s our HABITS that we need to analyze and strive to consistently improve – and Rachel helps us with this.
4. Also, like we discussed, just because it’s simple, doesn’t mean it’s easy.  And, as we discussed, fear can play a factor.  I love how Rachel says that one of the ways we can fight fear is by focusing on the truth – write it all down and get comfortable with the facts.  Facts are our friend.  Most of the time, either they will reveal that reality is not as bad as you thought OR, even if it’s not great, by getting it all in front of you, you’ve tackled the toughest part which is owning the situation.  Now you just need to game plan your way to progress…and we discussed how you can do that, using the baby steps Rachel mentioned.
5. Being Committed v. Just Involved.  For the reasons Rachel mentioned – all the positives that money can bring you if used as the tool she describes – freedom, peace, a life of impact and more – the money game needs to be one we all fully COMMIT to on a consistent basis.  We can’t just be involved – we need to COMMIT!
6. Finally, the word we’ve begun to speak about regularly on the show pops up again…PEACE….Rachel does a great job of describing PEACE as the result of living a life with the right money perspective and game plan.  The peace that involves living a life you love and being generous while you do it..THAT IS winning with class and it simply doesn’t get any better than that.

Links: 

Website:      https://www.ramseysolutions.com/rachel-cruze

IG:                   @rachelcruze

X:                     @rachelcruze

TikTok            @rachelcruze