At 20 years old, Josh from Charlotte has $4,000 in credit card debt and a car lease with a $353 monthly payment that runs through 2028. He works in HVAC, brings home around $3,000 a month during…
Rachel Cruz — Podcast Appearances & AI Summaries
Rachel Cruz has appeared on 13 podcast episodes in our AI-summarized catalog, including The Ramsey Show. Every appearance below has a free 5-minute AI summary.
What Rachel said
“If you let the pain build little by little by little, you can actually learn to adapt, you learn to cope with it, you learn to push through it. And it creates... perseverance, character, hope... If you don't allow people to go through those progressions, they don't get to be who they were meant to be.”
— Rachel Cruz
“Part of becoming an adult is realizing that you can't change people. So you may get to the end of all of this, which is a very real reality that he's just not gonna listen. And you have to be okay with that as well.”
— Rachel Cruz
“God also gave us reason and logic that we have to plug into. That's not wrong. Sometimes we go generosity and we can go high emotion with it, which is good too. But also God's given us reason and logic and that's a good thing to plug in.”
— Rachel Cruz (51:34)
“There's few things that Trump money, and time is one of them.”
— Rachel Cruz (112:15)
Episode appearances
13 Your 76-year-old great aunt was scammed out of $100,000 by her 24-year-old grandson, the man she helped raise. He lived with her, forged her signature, opened credit cards and quick-cash loans in…
Your Money Habits Matter More Than Math On this episode of The Ramsey Show, Dave Ramsey and Rachel Cruz fielded calls from people at every stage of financial chaos and recovery. The through-line…
The father of one of the callers had been hiding his spending for years, and the total debt had just crossed a million dollars. His wife was on the phone with Rachel Cruz and Dr. John Delony,…
A Las Vegas caller named Jennifer called the Ramsey Show with $24,000 in retirement savings at age 53, a household income of $100,000, and a fresh $40,000 dental loan for her husband’s full-mouth…
The most common financial mistake people make is treating their goals like wishes—hoping for better without attaching specific numbers or a real plan. On The Ramsey Show, Dave Ramsey and Rachel…
Set Money Goals Your Future Will Thank You For The first caller, Jennifer from New York City, earns $267,000 a year with her husband but feels "very overwhelmed." She has $8,000 owed to the IRS,…
"$10,000. That was the sound of ten thousand dollars. That's what that sounded like. Blum blomp." That's how Dave Ramsey described the instant depreciation on a new car during a heated exchange…
“I’m not sure we would hire you because you had a certificate that says you’re an AI project manager that cost you $300.” That moment, aimed at a caller named Jasmine, captures the central tension…
The Cost of Comfort: Why Temporary Ease Can Cost You Everything The mother eagle builds her nest out of six-inch thorn bushes, then fills it with soft down so the babies feel nothing. But as the…
Stop Letting Others Call The Shots With Your Money When a caller named Sam asked how to protect her family's financial future without her husband being fully on board, Dave Ramsey's answer was…
Stop Letting Emotions Drive Your Money Decisions On a recent episode of The Ramsey Show, Rachel Cruz and Jade Warshaw took calls from people whose money problems weren't really about math. The…
The most revealing moment in this episode comes when a caller named Matthew describes his family as "just treading water constantly" on a $140,000 household income, with $90,000 in debt—$62,000 of…
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