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The Rachel Cruze Show

My Honest Advice to Someone Who Wants Financial Freedom

The Rachel Cruze Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.83.6K Ratings

🗓️ 17 March 2025

⏱️ 7 minutes

🧾️ Download transcript

Summary

📈 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 change your bank account. In this episode, I’ll share my honest advice for spending wisely so you can experience true peace.   Next Steps: 🎥 Watch my video The Fastest Way to Pay Off Debt in 2025. 💰 Find out your earning potential with the Investment Calculator. 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   🏥 Learn more about Christian Healthcare Ministries. 🔒 Get 20% off when you join DeleteMe.   Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show   💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman  📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

So the first step toward building wealth

0:07.9

is really believing that financial peace and freedom

0:10.1

were actually possible.

0:11.9

But it takes more than just that mindset to win with money.

0:14.8

So today, I'm gonna share with you my honest,

0:17.5

maybe a little tough love, advice to anyone out there

0:20.5

that really wants some stability

0:21.8

when it comes to their money. Now make sure to subscribe to the channel and share this video

0:25.8

with the friends. All right, number one, remember I'm talking about tough love here?

0:30.4

Piece of advice. Get over yourself. That's right. So much of our ego, you guys, is attached

0:37.0

to our decision making. I was talking to one of our writers the other day and she was like, oh my gosh, my pride sabotaged me because she went in, which I totally related to this, to this really fancy boutique. Everything was like $300 or more. And she had to exchange this Christmas gift that she got from a family member. And so she went,

0:54.3

and she was like, I felt so like pretty women, right? Where they're all just like looking at

0:58.3

her. And she felt this like pressure to like buy stuff. And she, yeah, it was like this whole thing.

1:03.5

And all because of our emotions and how we feel. And I know we have all been in situations where

1:08.1

we feel that. But the problem is, is that type of emotion,

1:11.1

even though that was like a one moment in this one store, can ripple through the way we spend our

1:15.5

money because we end up spending money just to impress people. And as the old quote says,

1:19.6

spend money we don't have to impress people we don't even like. So listen, give yourself grace.

1:24.0

We all can fall into this trap. But we got to get over ourselves because if our ego

1:28.6

drives all of our decision making, we'll probably end up broke for the rest of our lives. So put the

1:33.2

ego aside. Now also when it comes to spending your money, my second piece of advice is number two,

1:39.2

be an adult and budget. Guys, you have to know where your money's going.

...

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