Rachel Cruze

Rachel Cruze (née Ramsey; born April 25, 1988) is an American author, speaker, and personal finance expert.^[2][3][4][5] Her book, Smart Money Smart Kids, co-authored with her father, Dave Ramsey, reached number one on The New York Times Best Seller list in 2014.^[6] Her second book Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want was published in 2016.^[7][1]

Rachel Cruze
Born	Rachel Ramsey (1988-04-25) April 25, 1988 (age 36)[1] Tennessee, U.S.
Alma mater	University of Tennessee at Knoxville (BA)
Spouse	Winston Cruze
Children	3
Parents	Dave Ramsey (father) Sharon Ramsey (mother)
Website	https://www.ramseysolutions.com/rachel-cruze

Early life and education

Cruze was born Rachel Ramsey and raised in Tennessee—the second of three children born to author and radio host Dave Ramsey and his wife, Sharon. She was raised in an Evangelical Christian household. Cruze attended Brentwood High School and earned a Bachelor of Arts degree in communications from the University of Tennessee.^[8]

Career

Cruze has been cited on how to save for purchasing a home.^[9] She advocates using debit cards instead of credit cards as a way to control spending, and to never spend beyond one's means, which "requires a discipline and a mindset that often goes against the grain of our instantly gratified society," she said in an interview in the Kansas City Star.^[3]

Cruze has appeared on Good Day L.A..^[10]

Personal life

Cruze is married to Winston Cruze, whom she met while attending the University of Tennessee.^[11] They have three children.

Works

• Smart Money Smart Kids (co-authored with her father Dave Ramsey)
• Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want
• The Graduate's Survival Guide (co-author)
• The Contentment Journal
• Know Yourself, Know Your Money
• I'm Glad for What I Have

References

1. February 24, 2014, Steve Rosen, Chicago Tribune, Dave Ramsey's daughter knows value of early money education, Retrieved August 11, 2015, "...Cruze, now 25, largely credits her father, Dave Ramsey, for those teachable moments...."
2. Minda Zetlin, Inc magazine, The Smartest Money Tips for 2015 From Warren Buffett and Other Experts: Reduce debt, set financial goals, but be sure to invest in yourself, Retrieved August 12, 2015, "....If you're going to win with money, you have to be intentional, says Rachel Ramsey, ..."
3. Steve Rosen, March 2, 2012, Kansas City Star, Like Dave Ramsey, like daughter: Rachel Ramsey has a perfectly plausible reason for not owning a credit card. She's a Ramsey., Retrieved August 12, 2015, "...Ramsey is equally adamant that you can survive without a credit card.... Take paying for college, for example. Rule No. 1: Go to a school you can afford, she said..."
4. Beth Pinsker of Reuters, May 29, 2014, Time magazine, 4 Ways to Influence How New Grads Handle Money, "....You have to go for less of a parenting, finger-pointing mode and talk to them as an adult ... says Rachel Ramsey, who co-authored the book Smart Money, Smart Kids..."
5. Nanci Hellmich, March 18, 2015, USA Today, Ramsey: Here's how to raise money-smart kids, Retrieved August 11, 2015, "...Children should be given a commission for chores they do, not a free allowance.... these principles starting at an early age. ... advice of financial expert and best-selling author Dave Ramsey, 54, and his daughter Rachel Cruze, 25. ..."
6. May 11, 2014, The New York Times, NY Times Bestseller: #1 -- SMART MONEY SMART KIDS, by Dave Ramsey and Rachel Ramsey, Retrieved August 11, 2015, "...Encouraging wise fiscal practices in the next generation. ..."
7. Kim Thompson on September 25, 2011, SF Gate, Interview with Rachel Ramsey, author of "Smart Money Smart Kids", Retrieved August 11, 2015, ".... Talking about financial issues is not a foreign topic to Rachel Ramsey, who grew up with a front row seat listening to her father, Dave Ramsey, one of the most trusted names in money and business..."
8. Gilfillan, Kelly. "Next generation speaks out for Financial Peace on 'Katie'". Williamson Home Page. Retrieved 2020-03-30.
9. Jennifer Segelke Jeffers, NJ.com, How to Start Saving For Your First Home, Retrieved August 11, 2015, "..."Buying a home is one of the largest purchases you're ever going to make, so you need to make sure you're prepared," says financial expert Rachel Cruze. "Without taking the proper steps, a home can quickly turn from a blessing to a curse." ..."
10. Los Angeles Times, SERIES, Retrieved August 12, 2015, "...Good Day L.A. ... motivational speaker Dave Ramsey and his daughter Rachel Ramsey..."
11. "Rachel Cruze". Ramsey Solutions.

External links

• YouTube channel