Money, Marriage, & Why We Feel Broke with Rachel Cruze

In this episode of the Jinger & Jeremy Podcast, we sit down with financial expert Rachel Cruze to talk about money, marriage, debt, and the emotional side of finances... and why so many people feel stuck living paycheck to paycheck.

From growing up as the daughter of Dave Ramsey to helping millions take control of their money, Rachel shares practical, life-changing advice on budgeting, getting out of debt, investing, and building a healthy relationship with money.

We dive into:

- Why money is one of the top causes of stress in marriage

- The difference between spenders vs. savers (and how to make it work)

- How your childhood shapes your financial habits

- The truth about debt, credit cards, and instant gratification

- Step-by-step advice to become debt-free faster

- How to start investing (Roth IRAs, 401k, and more)

- Why contentment (not more money) is the real goal

Rachel also shares what it was really like growing up in a household focused on financial discipline and why money is more emotional than most people realize.

Whether you're struggling with debt, trying to budget, or just want to steward your finances better, this episode will give you the tools and mindset you need to move forward with confidence.

🔔 Don’t forget to:

👍 Like

💬 Comment

📩 Subscribe for weekly episodes

00:00:02 - Guest Introduction: Rachel Cruz

00:01:25 - Discussing Money and Its Emotional Impact

00:01:52 - Economic Challenges and Money Stress

00:03:13 - Money and Marital Tensions

00:06:05 - Growing Up with Dave Ramsey

00:11:16 - Rachel's Journey into Financial Advisory

00:15:11 - Understanding Personal Finance and Behavior

00:15:13 - The Power of Conscious Spending

00:15:34 - Impulsive Spending and Its Impact

00:16:22 - The Pathway of Debt and Instant Gratification

00:16:57 - The Power of Living Debt-Free

00:19:13 - Defining Debt-Free and Starting the Journey

00:19:34 - Parameters for Mortgage

00:22:23 - The Debt-Free Journey and Budgeting

00:27:48 - Understanding the Importance of Intentional Spending

00:30:15 - Discussing Budgeting and Spending Habits

00:30:27 - The Influence of Consumerism and Lack of Contentment

00:30:41 - The Importance of Intentional Spending and Budgeting

00:30:57 - The Role of Generosity in Personal Finance

00:36:17 - The Impact of Money on Identity and Self-Worth

00:36:44 - The Power of Generosity and Selflessness

00:38:41 - The Struggle with Consumerism and Clutter

00:40:37 - The Spiritual Aspect of Money Management

00:43:05 - The Influence of Social Media on Financial Decisions

00:44:22 - The Importance of Gratitude and Contentment in Personal Finance

00:45:29 - Investing and Saving Tips for Young Adults

00:48:53 - Practical Steps to Start Investing

00:51:14 - Teaching Kids About Money

00:55:00 - Different Approaches to Money Management

00:58:30 - Handling Difficult Financial Situations

01:00:46 - Appreciating Rachel's Contributions and the Ramsey Network

01:01:55 - The Importance of Trusted Financial Resources

01:02:15 - Gratitude and Closing Remarks

OUR INCREDIBLE SPONSORS:

COZY EARTH: Luxury Shouldn’t Be Out of Reach. Visit https://CozyEarth.com/jinger/ and use my exclusive code JINGER for 20% off best-selling sheets, towels, pajamas, and more.

FUNCTION HEALTH: Function because it’s the only health platform that gives you access to the kind of data most people never see—and the insights to actually take action. Learn more and join using our code JINGER at https://functionhealth.com/JINGER/ for $25 off your membership!

COVE SMART: Protect what matters most with smart, reliable home security. Cove makes it simple and affordable to secure your home with 24/7 professional monitoring and easy DIY setup. Visit https://covesmart.com/JINGER and use code JINGER to get up to 60% off your system today.

DELETE ME: Protect your privacy and take control of your personal data online. DeleteMe makes it easy to find and remove your information from data broker sites, helping keep your address, phone number, and family details out of the wrong hands. Visit https://joindeleteme.com/JINGER and use code JINGER to get 20% off your plan today.

Learn more about your ad choices. Visit megaphone.fm/adchoices