Rachel Cruze

Mentioned 31 times across 2 podcasts this week

This Week's Pulse

Rachel Cruze has spent the last week rotating through the Ramsey Network airwaves, co-hosting a flurry of episodes on The Ramsey Show alongside Dave Ramsey and George Kamel. During a recent broadcast, Dave Ramsey introduced her by noting, "Rachel Cruze, Ramsey Personality, number one bestselling author, and co-host of Smart Money Happy Hour, my daughter, is my co-host today."

The focus has remained squarely on granular financial triage. Addressing a caller's inquiry about a $72,000 windfall from a home sale, Rachel Cruze took the lead in breaking down the strategy, stating, "If I were you, I'd probably just roll it right into the-" before pivoting to broader behavioral advice.

Beyond pure math, the conversation often veers into the philosophy of productivity. Reflecting on relationship dynamics during The Ramsey Show, Rachel Cruze remarked, "not to be, like, overgeneralization with gender, but there, there is something about a guy, of going and doing something productive with his life." Expect the Smart Money Happy Hour team to continue leaning into these intersectional topics—where money management meets social expectations—as they head into their next round of recordings.

Where it's discussed

If You Want Wealth, Stop Being Dumb With Money

The Ramsey Show

Rachel Cruzeneutralfrom “Financial Crisis and Marital Strain

Co-host assisting in the financial analysis of the caller's debt.

[upbeat music] Normal is broken, common sense is weird, so we're here to help you transform your life. From the Ramsey Network in the Fairwinds Credit Union Studios, this is The Ramsey Show. Rachel Cruze, Ramsey Personality, number one bestselling author, and

Rachel Cruzeneutralfrom “Financial Advice on Debt and Stork Mode

Co-host discussing financial strategies and answering listener questions.

... so we got a, [laughs] we got a question from Instagram for you. Uh, "I'm 26 years old. I just sold my house and will be netting $72,000 from the sale. I have no other debt than the mortgage of my new primary residence. What's the smartest way to use or inv

Rachel Cruzeneutralfrom “Financial Advice for Personal Relationships and Debt

Co-host discussing the importance of productivity in relationships.

It's good for their, yes, for anyone's soul in society. It, but again, not to be, like, overgeneralization with gender, but there, there is something about a guy, of going and doing something productive with his life. Like-

Rachel Cruzeneutralfrom “Financial Advice for a Struggling Family

Co-host who offers empathetic advice and questions the caller about her emotional state.

Do you feel like the right-- you're concerned about moving back to the home- hometown more, or selling the house, or both?

Rachel Cruzeneutralfrom “Strategic Financial Decision Making and Avoiding Short-Term Fixes

Highlights the potential for long-term emotional bitterness and relationship strain when making financial moves out of desperation.

Yeah. The short term, right? Sell-- If they sold the house, and that's the gain is short term, but long term, you think about it, the dynamic of even moving to his hometown that she wasn't crazy about could be long-term pain and a bitter, you know what I mean,

Rachel Cruzeneutralfrom “The Psychology of Delayed Gratification

Participates in the discussion regarding nature versus nurture in developing self-discipline.

Do they learn that in a household, or you think that's part of your personality?

Rachel Cruzepositivefrom “Financial Advice on Debt and Retirement Planning

Co-host providing input on vehicle financing and debt strategy.

Did you roll negative equity into it?

Rachel Cruzeneutralfrom “Financial Crisis and Debt Management

The co-host asking the caller to reflect on their financial situation.

Does that feel accurate, Matthew? Do you get that?

Rachel Cruzepositivefrom “Financial Turnaround Strategy for Matthew

Co-host assisting in the financial counseling session.

Yeah, so how much?

Rachel Cruzeneutralfrom “Managing Business Finances as a Couple

Discusses the importance of being on the same team as a spouse regarding financial decisions.

Sure. I mean, yeah, some of it I'm like... I mean, there, there's a, there's a level at which we see money come in and out, and we're talking about it, and we were just talking about a deal, actually. He's gonna go do a showing today. And I'm like, "Oh, great,

Rachel Cruzeneutralfrom “Managing Business Debt and Pension Planning

Co-host providing advice on communication strategies for couples in business.

Yeah, and I think it's an attitude at which, which I don't-- which, Doug, I understand why you would be frustrated. I get that. But also, the way you approach it and the way you guys have this conversation, it's either that the business is between you all, and

Rachel Cruzeneutralfrom “Managing Retirement Accounts and Debt Settlements

Host discussing the practical application of the 15% retirement savings rule and debt collection processes.

Yeah, but for some people, like we had a caller, 9%-

Rachel Cruzeneutralfrom “Managing Debt and Financial Decisions

Discusses the collections process and agrees with the advice on debt management.

... it's usually more. But the collections process is real. And so, um, so yeah, and it can work to your benefit, right, if you are in Baby Step 2, um-

Rachel Cruzeneutralfrom “Financial Advice and Marital Disputes

Co-host providing financial advice and commentary.

Yeah, and making what you're making, too, Jasmine-

Rachel Cruzeneutralfrom “Marriage Counseling and Financial Planning Advice

Host providing advice on marriage and debt.

Mm-hmm

Rachel Cruzeneutralfrom “Financial Advice for a Failed Business Purchase

Host discussing the financial mess and legal implications with the caller.

Okay, so what does she do [laughs]? Can we all just shout?

Rachel Cruzeneutralfrom “Valuing and Purchasing a Small Business

The co-host participating in the discussion about business stress and financial due diligence.

The stress of it all.

Rachel Cruzeneutralfrom “Risks of Small Business Ownership

Participates in the discussion regarding business valuation and failure rates.

... for that business.

Rachel Cruzepositivefrom “Financial and Relationship Advice for Naya

The co-host providing relationship advice to the caller.

Way more mature than he is, and he's gonna be a husband that's gonna... Everything about him right now will be magnified in marriage, so.

Rachel Cruzeneutralfrom “Managing Debt and Business Financials

Co-host asking about the potential sale price of the caller's house.

How much could you sell the house for, Julie?

Rachel Cruzeneutralfrom “Dave Ramsey on Emergency Funds

Hosts the segment and asks Dave Ramsey about his past financial habits.

All right. Today's question comes from Matthew in Oklahoma. Dave, it's addressed to you. Ready?

Rachel Cruzeneutralfrom “Business Cash Flow and Debt Management

The co-host providing financial advice to the caller.

Did you look at previous books of the business, like the last 12 months before you bought it, to see seasonality, if that is true?

Steady Habits Build Lasting Wealth

The Ramsey Show

Rachel Cruzeneutralfrom “Financial Advice on Real Estate and Debt Recovery

Host providing financial advice and asking clarifying questions about age and financial goals.

How old are you guys?

Rachel Cruzeneutralfrom “Prenuptial Agreements and Financial Compatibility

Co-host discussing the nuances and changing perspectives on prenuptial agreements.

No, I mean, the only thing I could think of, if I'm in her shoes and the s- and the s- and, and the script was flipped, and I'm marrying a guy, he's coming out, and I had built a s- a life for me, and I had bought my own home, and I had done some big things, I

Rachel Cruzeneutralfrom “Financial Alignment in Relationships

Co-host and author who helps analyze the caller's relationship dynamics.

[upbeat music] Brought to you by the EveryDollar app. Start budgeting for free today. [upbeat music] Normal is broken, common sense is weird, so we're here to help you transform your life. From the Ramsey Network in the Fairwinds Credit Union Studio, this is t

Rachel Cruzeneutralfrom “The Ethics and Practicality of Prenuptial Agreements

Host expressing caution regarding the emotional hurdles created by prenuptial agreements in a marriage.

... can tend to then blee- go into the marriage, where that's financially, where we say, no, you're all in. So if you had a, if you did do a prenup and, and you're like, if the worst of the worst of the worst happens, and, and the, you know, we, we do the divo

Dave Ramseyneutralfrom “Career Transition and Financial Planning Advice

The host offers career advice and jokes about Dave Ramsey's personality and grievances.

Yeah, Rachel, I, I didn't, I didn't throw James' house under the bus. You, you took his log cabin-

Rachel Cruzepositivefrom “Achieving Financial Freedom Through Discipline

Co-host who praises the couple for their financial discipline and choices.

Yeah. Yeah, yeah, yeah

Rachel Cruzepositivefrom “Navigating Financial Abuse and Grief

Co-host offering emotional support and perspective on moving forward.

I think Abby would want you happy, Samantha.

Rachel Cruzepositivefrom “Investing Principles for Beginners

Co-host providing financial advice and encouragement to the caller.

Tax

Rachel Cruzeneutralfrom “Managing Mortgage Debt and Financial Strategy

Host questioning the caller's financial decisions and savings.

... what's left in savings?