Holiday “deals” are coming for your cash—are you ready? Today, I’ll share what I won’t be spending money on this season and what I plan to do instead. Plus, I’m looking back at my very first video to see if I still agree with my own advice on raising grateful kids.   What you get in this episode: ·     Do I Agree With My Own Money Advice 10 Years Later? ·     What I Refuse to Spend Money on This Holiday Season   Helpful Resources:  ·     Start budgeting for free with EveryDollar. ·     Pick...

Having a large salary doesn’t mean you’re building wealth, and earning a smaller income doesn’t mean you can’t manage it well. Anyone can win with money if they have the right tools—here’s what to do. What You Get in This Episode: ·     Making $330,000 and Still Broke? (My Reaction) ·     This Habit Is Keeping You Broke ·     How to Find $2,500 in Your Budget   Helpful Resources: ·    Try BetterHelp today! ·    Check out Christian Healthcare Ministries. ·    Start budgeting for free with...

We may have rocked some questionable fashion in the ’90s but when it comes to our money, we got a few things right. I’ll share what we got right, the four things you should always have in your budget, and the money lesson I had to learn the hard way.   What you get in this episode: ·     ’90s Money Principles That Still Work Today ·     4 Things You Must Include in Your Budget ·     The Money Trap I Fell Into (and How to Avoid It)   Helpful Resources:  ·      Grab Telestrations at your local...

When it comes to saving money, it’s all about simplicity. Which is why I’m sharing nine practical money habits for you to try if your budget is in need of a reset. Also, let’s unpack the one question we’ve all asked: Will making more money solve my problems? What You Get in This Episode: ·     5 Frugal Habits to Cut Your Expenses in Half ·     4 Things Minimalists Do to Build Wealth ·     Will Making More Money Solve Your Problems?   Helpful Resources: ·      Grab Telestrations at your local...

No matter how different our budgets look, shopping is a part of everyone’s monthly spending plan. From IKEA’s best deals to Target’s marketing tactics—this episode is all about pro tips for being a budget-conscious consumer online and in-store. What You Get in this Episode: 6 Affordable IKEA Finds (You Wouldn't Think Were Real) 5 Clever Ways Target Gets You to Spend More Online vs. In-Store Shopping: Which is Best?   Helpful Resources Kristen McGowan's YouTube Channel Better...

Being smart with money means you have to know where to cut back and where it's actually worth it to spend top dollar—from big life events to your breakfast cereal. In this episode, learn what it really costs to have a baby today, things people commonly get wrong about money, and whether buying generic could save you big . . . but is it worth it?   What you get in this episode:  ·      What Does It Cost to Have a Baby Today? ·      5 Things People Get Wrong About Money ·      Is Buying Generic...

When it comes to monthly spending, it can be easy to settle for “just getting by.” But wasting your paycheck on minimum payments forever is no way to live (or budget!)—here’s what to do instead. What You Get in this Episode: ·     Why the Majority of People Will Stay Broke ·     How Minimum Payments Take Years of Your Life   Helpful Resources: Christian Healthcare Ministries EveryDollar                                                 Sponsors pay the producer of this show, The Lampo Group,...

The money habits you have today could affect the rest of your life . . . including retirement. So, how do you know you’re setting yourself up for success when it comes time to hang up your suit and spend your days with your toes in the sand? In this episode, we’ll cover the reason why most Americans won’t be able to afford to retire and the habits you can start now that will ensure you’ll live a life you love when it’s time for retirement. Plus, Dr. John Delony and I talk about how getting...

Building wealth is all about your mindset—what you believe. It’s possible to have a millionaire mindset even if you’re trying to get out of debt. In this episode, I’ll tell you exactly how to create a millionaire mindset and reveal the most common mistakes I saw people make while I was teaching Financial Peace University. By the end, you’ll believe the right things about money that will help you reach your goals.   What you get in this episode:  ·      How to Create a Millionaire...

I say it all the time: You need to have a budget! But how do you know your budget is getting you where you want to go with your money goals? In this episode, I share how I budget each month, how you can figure out your net worth, and why the six-figure salary everybody wants isn’t what it used to be. What you get in this episode:  ·      How I manage my money each month ·      How to quickly calculate your net worth ·      Why six figures isn't what it used to be Helpful...

Becoming a millionaire doesn’t happen overnight, but with discipline and smart choices, it’s totally possible to reach your money goals. Today, I’ll walk you through how you can start investing (even if you’re a beginner), show you the money magic trick that actually works, and debunk the popular 50/30/20 rule.   What you get in this episode:  ·      Investing for Total Beginners ·      The Money Magic Trick That Will Make You Rich ·      Why I Wouldn’t Recommend the 50/30/20 Rule   Helpful...

Money goals require planning, taking on side hustles, and thinking differently about how you spend. In this episode, you’ll learn how to create a budget from scratch, what side hustles you could try (and which ones you should avoid), and how Rachel advises people on major purchases.   What you get in this episode:  How to Create a Budget From Scratch The Best (and Worst) Side Hustles Ranked Advising People on Major Purchases   Helpful Resources:  ·      Christian Healthcare...

Think you have what it takes to be a millionaire? If you’ve got big money goals, then the last thing you need to do is make bad decisions that will slow you down. Watch out for these red flags that could be keeping you from becoming wealthy. What you get in this episode: ·     5 Signs That You Will (or Won’t) Be Wealthy ·     Are Credit Card Rewards Going Away? ·     Why 37% of Americans Are in Financial Trouble Helpful Resources:  Christian Healthcare Ministries  EveryDollar Ramsey Car...

Here’s a little-known secret: Winning with money is only 20% math—the other 80% is all about your choices. And the best time to start making smart money choices is right now! Today, I’ll show you how to get started, share some helpful tools, and walk you through a few options to consider in order to reach your goals and create a life you love.   What you get in this episode: ·      How to Save Your First $100,000 ·      Can You Afford a Bigger Home? ·      Is the FIRE Movement Too Good to Be...

Take advantage of 2023’s high interest rates and put them to work for you! I’ll tell you how. Also in this episode, you’ll hear about one place you should never—really, never—keep your money and why denial isn’t just a river in Egypt (and other things I’ve learned hosting The Ramsey Show).   What you get in this episode:  ·      The LAST Place You Want to Keep Your Money ·      What I’ve Learned Hosting 1,000+ Hours of The Ramsey Show ·      Are You Missing Out on Free Money?  Helpful...

Your comfort zone can feel like your best friend . . . but actually be your worst enemy when it comes to being smart with money. In this episode, you’ll find out what I’m learning about comfort, get a breakdown of how to budget a tight income, and challenge your gender stereotypes around money.   What you get in this episode:  ·      5 Impactful Things I'm Learning Right Now ·      How I Would Budget $3,600 a Month ·      Controversial Gender Stereotypes Around Money   Helpful...

Building wealth doesn’t always have to mean diving headfirst into a side hustle. Today, I’ll share the smart money decisions you can make to start building wealth through everyday decisions. You’ll learn the best places to buy a used car, how to cook delicious meals on a budget, and tips for paying off your mortgage early.   What you get in this episode:   ·      10 Great Cars Under $10K ·      Can $41 REALLY Buy 24 Meals? (with Frugal Fit Mom) ·      The Simple Hack to Ditching Your Mortgage...

Your biggest wealth-building tool is your income, and a great way to increase your wealth is to spend (and save) wisely. In this episode, you’ll get some tips and tricks you can start using today to help you win with money. I’m sharing how I would budget $12,000 a month, the things you should stop buying, and eight easy ways to increase your savings.   What you get in this episode:  ·      How I Would Budget $12,000 a Month ·      Things Minimalists Never Buy ·      8 Easy Ways to Increase...

Winning with money is not about the size of your paycheck. It's about how you spend it. Today I’ll share a few smart money tips, like how to get the best deal on a car, the difference between building wealth and being rich, and why you should always have a little “fun” in your budget.   What you get in this episode:  ·      Worst Time to Buy a New Car?  ·     This Book Changed How I Think About Money ·      I Always Keep This in My Budget    Helpful Resources:  ·      Christian Healthcare...

When it comes to money questions, I’ve heard it all. Questions like . . . “Should we combine bank accounts?” or “Do the Baby Steps really apply to me?” In this episode, I’ll answer those burning money questions, plus we’ll talk about what to do if your emergency fund doesn’t cover your emergency. What you get in this episode: ·     The Top 5 Money Questions I Get Asked ·     Will a Home Garden REALLY Save You Money? ·     How to Survive a Financial Emergency  Helpful Resources: Christian...

Yes, you can create a life you love without keeping up with the Joneses. Contrary to popular opinion (and your Instagram feed), more stuff does not always equal more happiness. Today, I’ll share my best tips and habits to help you save money and keep things simple.   What you get in this episode:  ·      Should You Choose a Career vs. Children?  ·      Can You Be Minimal With Kids?  ·      Can You Have a Social Life Without Going Broke?    Helpful Resources:  ·      Carly Jean Los Angeles...

When it comes to a money mess, a budget is your best friend. A budget is simply a plan to pay off debt and ditch money stress for good. It’s not as hard as you think, and I’m going to walk you through it. Plus, Dr. John Delony stops by to talk about what to do if you think you may be a “shopaholic.”   What you get in this episode:  ·      How I Would Budget $7,000/Month  ·      100 People Reveal Their Debt Amount (My Reaction)  ·      Signs You’re Addicted to Shopping with Dr. John...

Can you afford a home in this economy? You can . . . if you have a plan for your money (aka a budget). In this episode, I’ll share six reasons why I, a spender at heart, love my budget. Plus, we’ll go over the best time for you to buy a home and a few tips to make moving easier. What you get in this episode: ·      6 Reasons You Should Start a Budget Today ·      Moving Stressors No One Talks About (with George Kamel) ·      Is It Possible to Afford a Home in Our Economy? Helpful...

Some people blame all their financial troubles on the government, others get stuck in a shame cycle trying to cope with money stress. The truth is, lots of factors affect your money—some are in your control, and some are not. Here’s what you can do to make sure your future is financially stable. What You Get in this Episode:  How Credit Cards Keep You Broke 3 Mistakes That Sabotage Your Finances Do You Still Qualify as Middle Class in America?   Helpful Resources: Christian Healthcare...

When it comes to handling money, a lot of us just want to know what’s “normal.” But the truth is, normal isn’t always what’s best. Here’s what you can do to move forward and finally achieve the money goals you always hoped were possible. What You Get in This Episode: Which Generation Feels Financially Trapped? Do You Feel Behind Financially? (With Minimal Mom) “How College Students Spend $100” (My Reaction)   Helpful Resources: Christian Healthcare Ministries Carly Jean Los Angeles with...