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Know Yourself, Know Your Money | Business with Purpose Podcast EP 228: Rachel Cruze

Know Yourself, Know Your Money | Business with Purpose Podcast EP 228: Rachel Cruze

Know Yourself, Know Your Money | Business with Purpose Podcast EP 228: Rachel Cruze

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  • Know Yourself, Know Your Money | Business with Purpose Podcast EP 228: Rachel Cruze
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I remember my journey of becoming debt free. I read so many books about how to take control of your money and how to budget. There are a lot of financial resources out there, but there’s not much about why you handle money the way you do. 

My guest today is Rachel Cruze, and she is trying to tackle that very issue. Rachel is a two-time No. 1 best-selling author, financial expert and host of The Rachel Cruze Show. Her new book is Know Yourself, Know Your Money: Discover WHY you handle money the way you do, and WHAT to do about it!

3:42 – Rachel Cruze 101

  • Rachel is an author and speaker and loves talking about anything involving money and personal finance. She is the daughter of financial expert Dave Ramsey. 
  • She became interested in public speaking when she was 15 and realized it was a gift she wanted to share. 

6:16 – Being Dave Ramsey’s kid

  • Rachel jokes that people think she had mutual fund birthday parties and summer budget camps growing up. But her mom and dad taught her a lot about money. They filed for bankruptcy the year she was born.
  • She learned how to handle money emotionally, spiritually and tactically. But the conversations with her parents were never obsessive or legalistic. Her parents let her make mistakes so she and her siblings could learn to handle money. 

9:38 – What she learned from her parents

  • Rachel watched her parents become successful with money and be outrageous givers. She has been impressed with the private ways they are generous, without any fanfare.  

11:20 – My childhood and financial past

  • When times get tough, some turn to alcohol or drugs. As I explain to Rachel, I turned to spending money and used it as a coping mechanism. I was $36,000 in credit card debt in 2008 and became debt free in 2012. 

15:28 – Know Yourself, Know Your Money

  • Money is so emotional. There is so much guilt and shame around this topic. Your net worth starts to become your self worth, and you start to believe: “This is who I am.” Breaking that cycle is so powerful. 

18:46 – The psychology behind money

  • To understand why you handle money the way you do, you have to go back to the way you grew up. 
  • There are four money classrooms people fall into: anxious, unstable, unaware and secure

25:17 – How to begin changing bad money habits

  • You have to have an element of hope. Getting out of debt requires a lot of sacrifice, so you have to know why you’re doing it.

27:12 – Adapting to change

  • Doing a budget is not fun, but once it becomes a part of your life you can’t imagine not having it there. It takes a shock to the system to change. 

29:41 – Get to know Rachel

  • What does Rachel do when she wants to treat herself? She doesn’t need a designer bag. She loves spa days, pedicures and pampering.
  • Her favorite song to jam out to? “I’m Proud to Be an American”
  • Her favorite meal? Pepperoni and banana pepper pizza

FEATURED QUOTES

“Your net worth starts to become your self worth, and you start to believe: ‘This is who I am.’ To break that cycle is so powerful.” – Rachel

“To understand how you handle money today, you have to go back to your childhood.” – Rachel

RACHEL CRUZE | Ramsey Personality

Rachel Cruze is a two-time #1 national best-selling author, financial expert and host of The Rachel Cruze Show. Since 2010, Rachel has served at Ramsey Solutions, where she teaches people to avoid debt, save money, budget and how to win with money at any stage in life. She’s authored three best-selling books, including Love Your Life, Not Theirs and Smart Money Smart Kids, which she co-wrote with her father, Dave Ramsey. Her latest book Know Yourself, Know Your Money: Discover WHY You Handle Money the Way You Do and WHAT to Do About It will release in January 2021. Follow Rachel on Twitter, Instagram, Facebook and YouTube or online at rachelcruze.com.

ADDITIONAL RESOURCES:

https://www.rachelcruze.com/

https://www.rachelcruze.com/store/product/know-yourself-know-your-money-book

Thank you to our partners of the show:

Ammas Umma 

Did you know I have an ethical brand directory? That’s what Chelsea used to start finding products for her boutique almost four years ago! Now, Amma’s Umma carries over 50 intentionally sourced brands and is the perfect one stop shop for all your gift giving needs. As a thank you to the Still Being Molly community, she is offering 20% off with code SHOPWITHMOLLY. Head to shopwithmolly.com for all the details.

GOEX

At GOEX, we believe in the power of purchase. We use a simple t-shirt to connect our customers with their apparel makers. GOEX customers sustain fair wage jobs that liberate workers from poverty and empower them in their families and communities. We are proud to be a verified member of the Fair Trade Federation. Shop sustainable, eco-friendly t-shirts and sweatshirts with purpose today at goexapparel.com.

Simple Switch

I want to introduce you all to a company I believe in that helps you more conveniently purchase with purpose, SimpleSwitch.org

Simple Switch is an online marketplace for ethical and impactful shopping. They let you shop online for more than 3,000 products ranging from everyday essentials like toilet paper and hand sanitizer, to special gifts like journals or jewelry. Every product has a positive environmental or social impact, like planting trees or fighting human trafficking.

Simple Switch is offering a discount exclusively for our listeners. Check out the marketplace on simpleswitch.org and get 20% off your first order with code PURCHASEWITHPURPOSE at checkout!

The Lemonade Boutique 

This episode is sponsored by The Lemonade Boutique, a women’s clothing with a cause store. Featuring ethically made and fair trade items from over 10 countries, every item is made by women facing extreme challenges such as trafficking, poverty, and more. Your purchase empowers women to take life’s lemons and make lemonade.  Shop at THELemonadeBoutique.com. Listeners of the Business with Purpose Podcast can save 15% by using code PURPOSE15 at checkout.

Leave a comment below with something you learned from this episode.

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Selah Farm Thanksgiving 2023 ✅
Carrying on the tradition my parents started so many decades ago. Love breaking bread with family, friends, strangers, international students, and more. Missing some family today, but feeling thankful. 🧡

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Selah Farm Thanksgiving 2023 ✅ 
Carrying on the tradition my parents started so many decades ago. Love breaking bread with family, friends, strangers, international students, and more. Missing some family today, but feeling thankful. 🧡

I thank God every single day that social media didn’t exist in 2003. #highschoolthenandnow

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I thank God every single day that social media didn’t exist in 2003. #highschoolthenandnow

She’s been gone 21 years, but it feels like I blinked.

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She’s been gone 21 years, but it feels like I blinked.

God is in the details.

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God is in the details.

Happy 30th Anniversary to the Vietnam Women’s Memorial! What an incredible day with incredible veteran friends. I pray that I was able to honor my mom 🇺🇸 She should have been here. ❤️

Happy Veteran’s Day to all who have so selflessly served. ❤️

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Happy 30th Anniversary to the Vietnam Women’s Memorial! What an incredible day with incredible veteran friends. I pray that I was able to honor my mom 🇺🇸 She should have been here. ❤️

Happy Veteran’s Day to all who have so selflessly served. ❤️

Today was so special. I had the privilege of representing my mom as she was posthumously honored (among six other incredible women veterans) at the Military Women’s Memorial at Arlington National Cemetery @womensmemorial. I was able to reconnect with and hug so many dear sister and brother Vietnam veterans that I hadn’t seen in a few decades. We hugged, laughed, and cried as we shared stories.

We ended the night with a candlelight ceremony at the Vietnam Veteran’s Women’s Memorial. And to answer your question, no.. I can’t get through listening to taps while I watch as a bunch of retired Veterans salute. 😭

This weekend, instead of taking advantage of mattress sales, thank a veteran for his or her service. 🇺🇸 #veteransday🇺🇸

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Today was so special. I had the privilege of representing my mom as she was posthumously honored (among six other incredible women veterans) at the Military Women’s Memorial at Arlington National Cemetery @womensmemorial. I was able to reconnect with and hug so many dear sister and brother Vietnam veterans that I hadn’t seen in a few decades. We hugged, laughed, and cried as we shared stories.

We ended the night with a candlelight ceremony at the Vietnam Veteran’s Women’s Memorial. And to answer your question, no.. I can’t get through listening to taps while I watch as a bunch of retired Veterans salute. 😭

This weekend, instead of taking advantage of mattress sales, thank a veteran for his or her service. 🇺🇸 #veteransday🇺🇸

My once in a decade “visiting where I grew up” photo dump 👉🏼

1️⃣ where I carved my name in the cement of the sidewalks I lobbied the town council for when I was 8
2️⃣ in front of my childhood home
3️⃣ on my sidewalks. Yes. They are mine. I put them there.
4️⃣ crying in front of the abandoned Tortilla Factory. May it rest in peace.
5️⃣ peering in the windows of the Tortilla Factory - the back room where the Tuesday night Folk Club met every week. Literally hasn’t changed in the 12 years it’s been closed.
6️⃣ downtown Herndon
7️⃣ at the Veteran’s memorial in downtown Herndon that my mom helped to dedicate when it was established.
8️⃣ visiting grandma
9️⃣ with my mama

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My once in a decade “visiting where I grew up” photo dump 👉🏼

1️⃣ where I carved my name in the cement of the sidewalks I lobbied the town council for when I was 8
2️⃣ in front of my childhood home
3️⃣ on my sidewalks. Yes. They are mine. I put them there. 
4️⃣ crying in front of the abandoned Tortilla Factory. May it rest in peace. 
5️⃣ peering in the windows of the Tortilla Factory - the back room where the Tuesday night Folk Club met every week. Literally hasn’t changed in the 12 years it’s been closed. 
6️⃣ downtown Herndon
7️⃣ at the Veteran’s memorial in downtown Herndon that my mom helped to dedicate when it was established. 
8️⃣ visiting grandma
9️⃣ with my mama

👇🏼SHARE IN THE COMMENTS: what or who are you grateful for? Tag them and tell them why! 🩵 #countyourblessings #countingmyblessings

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👇🏼SHARE IN THE COMMENTS: what or who are you grateful for? Tag them and tell them why! 🩵 #countyourblessings #countingmyblessings

Go Heels!

Kid’s first Carolina game ☑️

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Go Heels! 

Kid’s first Carolina game ☑️

30 years ago, I was nearly eight years old, and there I stood amongst a large crowd on a hot July day. I watched my mom, (in the video she’s in the blue dress on the right) as she stood alongside General Colin Powell, then-Senator John Kerry, Diane Carlson Evans, and more as she held a shovel in her hand and broke ground on our country’s first-ever monument to honor American military women: the Vietnam Women’s Memorial on the National Mall. A few months later, I stood in a larger crowd on a much cooler day in November and watched as that monument was unveiled.

Even in my eight-year-old ignorance, I knew how much the day meant to her as I’d watched her and Diane and so many other women fight so tirelessly for their fellow women veterans to be given the recognition and honor they so deserved.

This upcoming Veteran’s Day weekend marks 30 years since the unveiling of that monument, and I’m honored and humbled and endlessly grateful that this weekend, I will get to be there to represent my mom. I was asked to speak at the women’s memorial on Saturday morning and share my mom’s story. If she were still here, she would be there, just like she was every other Veteran’s Day.

I’m thankful that I’ll get to bring along my husband and kids and that they’ll get to stand in the cold just like I did all those years ago, but I pray that they know what a legacy their grandmother left and how even though she’s been gone 21 years, her memory lives on. I pray that the words I share honor her and all the other incredibly strong and brave women she served alongside in Vietnam.

If you’re in the DC area, I’d love to see you there. The storytelling ceremony will be from 9am-11am at the Women’s Memorial with a larger ceremony at the Wall at 1pm.

Side note - what I love most about this video clip is, you can hear my mom laugh. If you listen for the incredibly loud laughter… that’s her. ❤️

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30 years ago, I was nearly eight years old, and there I stood amongst a large crowd on a hot July day. I watched my mom, (in the video she’s in the blue dress on the right) as she stood alongside General Colin Powell, then-Senator John Kerry, Diane Carlson Evans,  and more as she held a shovel in her hand and broke ground on our country’s first-ever monument to honor American military women: the Vietnam Women’s Memorial on the National Mall. A few months later, I stood in a larger crowd on a much cooler day in November and watched as that monument was unveiled. 

Even in my eight-year-old ignorance, I knew how much the day meant to her as I’d watched her and Diane and so many other women fight so tirelessly for their fellow women veterans to be given the recognition and honor they so deserved. 

This upcoming Veteran’s Day weekend marks 30 years since the unveiling of that monument, and I’m honored and humbled and endlessly grateful that this weekend, I will get to be there to represent my mom. I was asked to speak at the women’s memorial on Saturday morning and share my mom’s story. If she were still here, she would be there, just like she was every other Veteran’s Day. 

I’m thankful that I’ll get to bring along my husband and kids and that they’ll get to stand in the cold just like I did all those years ago, but I pray that they know what a legacy their grandmother left and how even though she’s been gone 21 years, her memory lives on. I pray that the words I share honor her and all the other incredibly strong and brave women she served alongside in Vietnam. 

If you’re in the DC area, I’d love to see you there. The storytelling ceremony will be from 9am-11am at the Women’s Memorial with a larger ceremony at the Wall at 1pm.

Side note - what I love most about this video clip is, you can hear my mom laugh. If you listen for the incredibly loud laughter… that’s her. ❤️
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