Rachel Cruze Books

Every person grows up with what I call a 'money class'—a set of unwritten lessons formed in the atmosphere of your childhood. Maybe money was tight, and every dollar had to be stretched; or perhaps it flowed freely, and purchases were made without second thought. These early experiences taught you w...

From Know Yourself, Know Your Money: Discover Why You Handle Money the Way You Do, and What to Do About It!

Once we acknowledge our money class, we start noticing specific tendencies—those inner leanings that guide how we handle financial decisions. Over years of coaching, I’ve noticed a few recurring types: the security seeker, who craves safety above all; the status spender, who finds identity in posses...

From Know Yourself, Know Your Money: Discover Why You Handle Money the Way You Do, and What to Do About It!

Everything begins here. If you don’t stop comparing your life to others, you’ll always feel like you’re behind. It’s like chasing a moving target — no matter how fast you run, it moves faster. Social media has supercharged comparison, turning every scroll into a financial temptation. We see friends ...

From Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

Debt promises convenience but costs freedom. So many people fall into the trap of thinking debt is normal — that cars, appliances, even vacations should be financed. But every dollar borrowed today is a dollar stolen from tomorrow. Debt chains you to the past and robs you of peace in the present. Wh...

From Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

One of the first lessons a child needs to learn about money is that it’s earned, not given. In our home, we didn’t give allowances. We paid commissions. Every chore—washing dishes, mowing the lawn, feeding the dog—had a value attached. If the work was done, the child earned the commission. If it was...

From Smart Money Smart Kids: Raising the Next Generation to Win with Money

Saving teaches children to think beyond the moment. When a child learns to wait, to plan, to put money aside for something they really want, they are learning delayed gratification—a crucial skill for life. We taught our kids to divide their earnings into three envelopes: save, spend, and give. That...

From Smart Money Smart Kids: Raising the Next Generation to Win with Money