Rachel Cruze
Rachel Cruze is a personal finance author and speaker who focuses on budgeting, debt avoidance, saving, and everyday money habits. Known for Love Your Life, Not Theirs and Know Yourself, Know Your Money, she has helped popularize practical financial education through books, media appearances, and her work with Ramsey Solutions.
Biography & Author's Journey
Rachel Cruze’s public career grew out of a family story already shaped by financial collapse and recovery. As the daughter of Dave Ramsey, she grew up watching her parents rebuild after bankruptcy and construct what became Ramsey Solutions, absorbing early lessons about giving, saving and staying out of debt. At the same time, her own account of herself is important to understanding her voice: she was not naturally the stereotypical budget enthusiast, but a more free-spirited spender who had to learn discipline firsthand. That tension became central to her credibility. After earning a Bachelor of Arts in communication from the University of Tennessee, marrying Winston Cruze and starting a family, she joined Ramsey Solutions in 2010. ((https://www.ramseysolutions.com/rachel-cruze))
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Popular Books
Know Yourself, Know Your Money
Rachel Cruze
Uncover the psychology behind your money habits and learn practical steps to improve your financial decision-making and reach goals faster.
Love your life not theirs
Rachel Cruze
Break free from comparison, achieve financial freedom, and live a life that aligns with your values.
Smart money smart kids
Dave Ramsey & Rachel Cruze
Teach kids financial wisdom from basics to avoiding debt.
Know Yourself, Know Your Money
Rachel Cruze
Uncover the psychology behind your money habits and learn practical steps to improve your financial decision-making and reach goals faster.
Love your life not theirs
Rachel Cruze
Break free from comparison, achieve financial freedom, and live a life that aligns with your values.
Smart money smart kids
Dave Ramsey & Rachel Cruze
Teach kids financial wisdom from basics to avoiding debt.
Discover more
Sex, Relationships & Personal Finance
Sex, Relationships & Personal Finance
Financial stress is a leading cause of relationship friction, yet these two pillars of life are rarely taught together. This plan is designed for couples and individuals looking to harmonize their emotional intimacy with practical wealth-building strategies to ensure long-term stability.
Love, Finance, Relationships & Behavior Sci
Love, Finance, Relationships & Behavior Sci
This plan bridges the gap between emotional intimacy and financial logic, addressing the two most common stressors in adult life. It is ideal for individuals or couples seeking to master the behavioral science behind successful relationships and smart money management.
How to be more frugal
How to be more frugal
This learning plan is essential for anyone feeling trapped by financial stress, living paycheck to paycheck, or wanting to take control of their financial future. It's particularly valuable for young professionals, families looking to reduce debt, or anyone seeking financial independence and the freedom that comes with intentional, frugal living. By combining mindset shifts with actionable strategies, this plan offers a comprehensive path from financial anxiety to empowered abundance.
Habits, Personal Finance & Mindfulness
Habits, Personal Finance & Mindfulness
This learning plan is essential for anyone feeling overwhelmed by financial stress or stuck in unproductive routines. It provides a unique blend of behavioral science and mindfulness, making it ideal for individuals seeking to align their personal values with their financial habits.
Creativity, Habits & Investing
Creativity, Habits & Investing
This plan bridges the gap between mindset, behavior, and financial literacy to create a holistic blueprint for personal growth. It is ideal for individuals looking to optimize their daily routines while simultaneously building creative confidence and long-term financial independence.
Reach financial freedom and enjoy life more
Reach financial freedom and enjoy life more
This plan is designed for individuals seeking to transition from financial stress to total autonomy. It provides a comprehensive roadmap for anyone wanting to master their finances while ensuring their wealth serves a purposeful, high-quality life.
Bio, Memoir, Investing & Habits
Bio, Memoir, Investing & Habits
This plan is designed for individuals seeking a holistic approach to personal development and financial independence. It bridges the gap between the wisdom found in life stories, the science of behavioral change, and the mechanics of wealth creation.
Read People, Master Comms & Financial Freedom
Read People, Master Comms & Financial Freedom
This comprehensive plan bridges the gap between social intelligence and economic independence. It is designed for ambitious professionals and aspiring leaders who want to master human psychology while simultaneously building a robust financial foundation.
Community Voices
"Rachel Cruze may be best known for her role as Dave Ramsey’s daughter, but she has become a star in her own right"
— Forbes
"Rachel Cruze, a Ramsey Personality and the daughter of Dave Ramsey, is a financial expert and best-selling personal finance author in her own right"
— AOL
"Personal finance expert and best-selling author Rachel Cruze joins us to dish out tips on managing money during the coronavirus crisis"
— FOX 32 Chicago
"While Rachel Cruze stands in the shadow of her famous father, she is a financial expert in her own right"
— Forbes
"Personal finance expert Rachel Cruze is a pro when it comes to budgeting"
— GOBankingRates
"Personal finance expert and nationally recognized speaker and author Rachel Cruze joined Dave Davis with some back-to-school budgeting ideas"
— News On 6
"Rachel Cruze is a personal finance expert and the author of Know Yourself, Know Your Money"
— GOBankingRates
"Financial expert and podcast host Rachel Cruze gives advice on how to save money amid record-high inflation"
— Fox Business
"Rachel Cruze, best-selling author and daughter of Dave Ramsey, joins Matt & Abby to spill money tips every couple needs to hear"
— Matt & Abby
From Columbia University alumni built in San Francisco
"Instead of endless scrolling, I just hit play on BeFreed. It saves me so much time."
"I never knew where to start with nonfiction—BeFreed’s book lists turned into podcasts gave me a clear path."
"Perfect balance between learning and entertainment. Finished ‘Thinking, Fast and Slow’ on my commute this week."
"Crazy how much I learned while walking the dog. BeFreed = small habits → big gains."
"Reading used to feel like a chore. Now it’s just part of my lifestyle."
"Feels effortless compared to reading. I’ve finished 6 books this month already."
"BeFreed turned my guilty doomscrolling into something that feels productive and inspiring."
"BeFreed turned my commute into learning time. 20-min podcasts are perfect for finishing books I never had time for."
"BeFreed replaced my podcast queue. Imagine Spotify for books — that’s it. 🙌"
"It is great for me to learn something from the book without reading it."
"The themed book list podcasts help me connect ideas across authors—like a guided audio journey."
"Makes me feel smarter every time before going to work"
From Columbia University alumni built in San Francisco
"Instead of endless scrolling, I just hit play on BeFreed. It saves me so much time."
"I never knew where to start with nonfiction—BeFreed’s book lists turned into podcasts gave me a clear path."
"Perfect balance between learning and entertainment. Finished ‘Thinking, Fast and Slow’ on my commute this week."
"Crazy how much I learned while walking the dog. BeFreed = small habits → big gains."
"Reading used to feel like a chore. Now it’s just part of my lifestyle."
"Feels effortless compared to reading. I’ve finished 6 books this month already."
"BeFreed turned my guilty doomscrolling into something that feels productive and inspiring."
"BeFreed turned my commute into learning time. 20-min podcasts are perfect for finishing books I never had time for."
"BeFreed replaced my podcast queue. Imagine Spotify for books — that’s it. 🙌"
"It is great for me to learn something from the book without reading it."
"The themed book list podcasts help me connect ideas across authors—like a guided audio journey."
"Makes me feel smarter every time before going to work"
"Instead of endless scrolling, I just hit play on BeFreed. It saves me so much time."
"I never knew where to start with nonfiction—BeFreed’s book lists turned into podcasts gave me a clear path."
"Perfect balance between learning and entertainment. Finished ‘Thinking, Fast and Slow’ on my commute this week."
"Crazy how much I learned while walking the dog. BeFreed = small habits → big gains."
"Reading used to feel like a chore. Now it’s just part of my lifestyle."
"Feels effortless compared to reading. I’ve finished 6 books this month already."
"BeFreed turned my guilty doomscrolling into something that feels productive and inspiring."
"BeFreed turned my commute into learning time. 20-min podcasts are perfect for finishing books I never had time for."
"BeFreed replaced my podcast queue. Imagine Spotify for books — that’s it. 🙌"
"It is great for me to learn something from the book without reading it."
"The themed book list podcasts help me connect ideas across authors—like a guided audio journey."
"Makes me feel smarter every time before going to work"
"Instead of endless scrolling, I just hit play on BeFreed. It saves me so much time."
"I never knew where to start with nonfiction—BeFreed’s book lists turned into podcasts gave me a clear path."
"Perfect balance between learning and entertainment. Finished ‘Thinking, Fast and Slow’ on my commute this week."
"Crazy how much I learned while walking the dog. BeFreed = small habits → big gains."
"Reading used to feel like a chore. Now it’s just part of my lifestyle."
"Feels effortless compared to reading. I’ve finished 6 books this month already."
"BeFreed turned my guilty doomscrolling into something that feels productive and inspiring."
"BeFreed turned my commute into learning time. 20-min podcasts are perfect for finishing books I never had time for."
"BeFreed replaced my podcast queue. Imagine Spotify for books — that’s it. 🙌"
"It is great for me to learn something from the book without reading it."
"The themed book list podcasts help me connect ideas across authors—like a guided audio journey."
"Makes me feel smarter every time before going to work"
