11 Genius Things Rachel Cruze Says To Do To Become Wealthy

11 Genius Things Rachel Cruze Says To Do To Become Wealthy

Terence Loose  Tue, September 23, 2025  GOBankingRates

Rachel Cruze, money expert and daughter of financial guru Dave Ramsey, has made a name for herself by giving people solid, actionable advice on how to make an achievable budget, control spending and build wealth. She’s the author of “Know Yourself, Know Your Money,” host of “The Rachel Cruze Show,” and a prominent influencer on social media channels.

Here are 11 of her top tips that GOBankingRates pulled from her YouTube channel on how to manage your money to live better, save more and achieve financial freedom.

Live Debt-Free

Growing up in a household that had experienced bankruptcy fostered a deep fear of debt in Cruze, especially high-interest credit card debt. It influenced all of her financial decisions, and she insists that a debt-free existence is possible for almost anyone and is your best bet to becoming wealthy. Her advice: pay off small amounts first to gain momentum, which is also known as the debt snowball method.

Live Below Your Means

When it comes to saving money, Cruze advocates for making a budget that is well within — i.e., below — your means and sticking to it with military discipline. Living below your means gives you the ability to create an emergency fund as well as invest for the future or retirement.

Stop Eating Out

Cruze revealed that dining out sometimes busted her budget. She’s likely not alone. According to a U.S. Foods study, as of last year, Americans spent an average of just under $200 a month dining out. That’s nearly $2,400 a year — not exactly healthy for the bottom line.

Pay Off Your Mortgage Early

If you have a mortgage, chances are it’s your largest monthly expense. Cruze advocated paying it off early, which will be extremely financially liberating and dramatically increase your net worth. She said that most people find they can do it within 10 years if they are dedicated. Use a mortgage payoff calculator to help strategize.

Never Compare Yourself

There’s a saying that “comparison is the thief of joy.” Cruze believes comparing your lifestyle to others can also be the thief of wealth. Always remember that you — and your financial reality and goals — are unique to you. Make decisions with that in mind, budgeting for your dreams, not someone else’s.

Prioritize the ‘Four Walls’

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