Great quotes from this episode:


“Debt steals your choices” – Rachel Cruze


“If Dave Ramsey says: every dollar should have a name then I say every minute should have a purpose.” – Tom Ziglar


Actionable Advice: Want to be more intentional with your money? Ditch Instagram, Snapchat, and any other app that gives you a highlight reel of other people. Start a gratitude list and type a few everyday things down that you are grateful for. You need to stop comparing yourself to those things and focus on what you are truly grateful for.


Golden nugget: Be grateful for what you have, and be intentional about recognizing when you are comparing yourself to someone else.

Episode Notes:

Hey folks, this is Kevin Miller, your honored host of The Ziglar Show. In today’s show we bring you, Rachel Cruze. Her New book is titled, “Love Your Life, Not Theirs”

Rachel Cruze

If you don’t know Rachel…she’s an incredibly seasoned communicator for her young age as a Ramsey Personality and has been speaking to groups as large as 10,000 for more than a decade. She’s the daughter of…Dave Ramsey, and officially joined Ramsey Solutions in 2010. She uses the knowledge and experiences from growing up in the Ramsey household to educate others on the proper way to handle their money wisely and stay out of debt. Rachel co-authored the #1 New York Times best-selling book Smart Money Smart Kids with her dad. Her new book, Love Your Life, Not Theirs, released October 2016.




You can follow Rachel on Twitter and Instagram at @RachelCruze or online at:

The Interview with Rachel:

Rachel, this is an honor. Quick story I don’t even know if you’re aware of…I married in 1993 and through Christ Church in Nashville, my wife Teri and I got to know your parents. Your Dad Dave was hosting the fledgling Money Game radio show and selling his self-published “Financial Peace” book. He hired Teri to help…I think she was literally his first employee. And it led into him and your mom asking if she and I could also help…babysit.

What a great fruition to know host you as our honored guest on The Ziglar Show!

[5:26] – Hear Rachel’s Response


A primary message of Ziglar is Legacy. You are part of a Legacy of financial and life teaching. When did you realize this was the path for you?

[6:00] – Hear Rachel’s Response: 6:00


Ok, before we get all serious, I’m sure you don’t spend money that’s not budgeted and available for spending. But when it comes to spending…what is your personal guilty pleasure? Ok…maybe not guilty for you…

[8:40] – Manicure’s and eating out


And personally, what was the worst, most regrettable financial decision you’ve ever made?

[10:18] – “Bouncing a check early in my youth. Today it’s overspending on impulse buying.”


As someone who has a HUGE impact on people, what’s the most memorable story you have experienced with someone you’ve been working with?

[13:00] – A couple 26 years old, paid off their entire home. It’s encouraging to see people changing their lives for the better.

Before we get into the details of the book and your message, you make a statement right off the bat of your desire to “help people control their money so it doesn’t control them”.


If we zero in on the average American home, where is the mismanagement and unintentionally with  how we deal with our money, taking it’s toll most? What are the primary ravages of financial stress you see in today’s world?

[15:46] – DEBT! Debt is the 70% of Americans are currently living paycheck to paycheck. This steals your motivation. When you go to work you are working to pay off all of the bills you have. It makes it hard to sleep at night.

People who don’t live INTENTIONALLY. People can look back and say “I made X amount of dollars and I have NO idea where it went”.

People don’t have control of their money and don’t have a budget.


The title of your new book is, “Love Your Life, Not Theirs”. This harkens to, and you of course make mention, of the issue of “keeping up with the Joneses.” Off the cuff, I’d consider myself above that and living a life authentic unto myself, not caring about status and people’s perspective. Upon further reflection, I realize…that’s a bold faced lie. How much of the way I live…would I model if I lived alone with my family on an island. So just how big of an issue do you really feel societal pressure is on our spending behaviors?

[17:49] – This is a huge issue. You used to “keep up with the jones” by looking out your window. Now we have everyone looking at people through the “highlight reel” of people’s lives on social media. You don’t see the debt that people went into. We all struggle with it because it’s difficult to see so many people living lives that look better than us. Comparison steals your joy and your paycheck. It deals with our hearts. Contentment and gratification are strong foundations for us to build upon but people tend to have the foundation shaken by all of the other people they see.

Golden Nugget: Be grateful for what you have, and be intentional about recognizing when you are comparing yourself to someone else.

OK, I want to push into this issue a bit though. You know from a marketing and business aspect, people DO judge a book by it’s cover. I’m in full agreement with you, and I don’t like pushback for pushback’s sake. I do however understand the challenge. We live in a world where we DO judge each other to a significant degree, by status. Job title and physical accouterments…even appearance. I don’t like that, but realize I react and respond to it. Opportunity tends to come to those who look the part, at least…more opportunity. We as a people respect wealth and attribute credibility to it. When I sit down at a business table with nice clothes, nice watch, iPhone 6 and straight, pearly white teeth…I’m given more credibility.

So in your teaching, how do you combat this very real pressure and reality?

[24:56] – Being wise with money doesn’t mean you have to be “cheap” go buy a used  years old Lexus. When we started off we didn’t have much and we still presented ourselves without having the Rolex watch.


I saw on Facebook, your gratitude challenge. How is this a primary tool to battle spending?

[27:16] – In a heart of gratitude there is no room for comparisons and discontentment. I used that to learn how to be content. My phone would be in my face before my feet hit the ground.


Actionable Advice: Want to be more intentional with money? Ditch Instagram, Snapchat, and any other app that gives you a highlight reel of other people. Start a gratitude list and type a few everyday things down that you are grateful for.


You start your book off with a key Ziglar topic…habit.  Before you talk about the social aspect we’ve just discussed, or even the topic of money, you drill in on habit. Your Dad started teaching on money 25 years ago. How do you see the habits of today’s culture, and I’d ask even to your own generation, different? More or less challenged?

[33:29] – It’s way more convenient for people to spend money. Studies have shown that you spend less with cash that lets you tangibly feel the money in your hands then you do with a credit card. We are taking the emotion out of money.


I’m curious, where do you literally see our culture today wasting money the most?

[36:12] – People take their needs to the “grand extent” going the spa feels like a need. You make the dinner out a need by over playing the value. FOOD is almost always the connecting point for people when who overspend.


Can we categorize eating out or spa day in the budget as pleasures?

[37:58] –  Definitely! Though you will need to say no to something else if you want to say yes to any of these. If it’s in the budget then spend it. Otherwise… Let it be.


When do people get the motivation to strap down and stick to a budget?

[39:24] – Personal conviction comes in to play. You get sick and tired of paying mastercard and the payments for the two cars in the driveway. People have to want a different result. You have to want a change. Doing the same thing over and over again expecting a different result is the definition of INSANITY.


Tom brings up termite spending:

When you add up a bunch of little tiny bad habits and replace those with a bunch of tiny good habits every week for a year, you can have a new life.

What are the “Termite habits” that cause people to go wrong?

Habit 1: People don’t check their checking account. People go into overdraft and don’t stay up to fees. People don’t know how much they have. People don’t know how much they make.

Habit 2: The myth of the credit card. Spending money using the credit card which forces you to live through the rear-view mirror rather than living through the windshield making a plan for the future. Use cash instead.

Habit 3: Not talking about money with your spouse. It can be days or years. They live dangerously by not talking about it. “I bought this, but I’m not going to tell my spouse”.

Tom’s thoughts: Take a walk with your spouse and talk money. Make sure you are transparent with each other.

Great quote from Tom: “If Dave Ramsey says: every dollar should have a name then I say every minute should have a purpose.”


In most relationships who’s the worst spender generally speaking?

[48:24] – Both sides seem to be about equal. Some people would think women spend more then men, but often they love the security of savings. It can easily fall on both sides.


How many people would be more free to go after work they love if they didn’t have financial Shackles holding them back?

[51:12] –  “Debt steals your choices”. The scripture says The borrowers slave for the lender.

The thought of quitting a job and not knowing where money is coming in. Through the process of getting out of debt there are things you have to do that you don’t like.  Freedom comes with being debt free.

Tom’s chimes in: You have to have a “Big why” otherwise it’s so easy to self medicate by spending money.


How do you tell someone who is in despair over their finances to dig in and make a change?

[53:39] – Take personal responsibility. You can’t blame others for your situation. You are the only person who can change your life.

You have decisions that YOU have to make. It takes drawing a line in the sand.

Is there anything you can do right now that would make your life worse?

Is there anything you can do right now that would make your life better?

I have the power to make things better or worse and the choice is mine.


Are there different things that someone who makes $35k, $95 and even $225k annual?

[57:45] – The principles stay the same. A person will need to follow those basic habits whether they bring in 100k a year or 3m a year.


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