Growing up in the Dave Ramsey Family offered a unique perspective on money. As Dave Ramsey’s daughter, Rachel Cruze learned from a young age the core principles of financial stewardship that have become synonymous with the Ramsey name: generous giving, diligent saving, and, most importantly, staying clear of debt. Her upbringing wasn’t just theoretical; it was forged in the reality of her parents rebuilding from bankruptcy and establishing Ramsey Solutions from the ground up. This experience instilled in Rachel and her siblings the value of hard work and earning money responsibly. While she later discovered her free-spirited nature contrasted with a strict budget, she ultimately grasped the empowering truth that a well-managed budget doesn’t restrict freedom—it enables it. This realization ignited her passion to guide others toward experiencing the same financial liberation.
Rachel Cruze as a child with her family alongside Dave Ramsey
Rachel’s journey extended beyond her family home. Earning a Bachelor of Arts in Communication from the University of Tennessee, she further broadened her horizons. Marriage to her husband, Winston, marked another significant chapter, leading her to join the Ramsey Solutions team. Balancing professional life with family life, Rachel is also the loving mother to three children – Amelia, Caroline, and Charles.
Rachel Cruze with her family smiling in front of the University of Tennessee sign
Today, Rachel Cruze is a prominent voice in personal finance as a seasoned speaker and certified financial coach. Traveling across the nation, she delivers practical strategies for tackling debt, building wealth, and achieving financial peace. Her approach directly confronts the misleading narratives prevalent in today’s consumer culture, offering individuals a clear, actionable plan to transform their financial lives. Rachel firmly believes that managing money shouldn’t be a source of stress or confusion, but rather a pathway to contentment.
Rachel Cruze smiling confidently in a blue dress in a modern setting
Rachel’s commitment to financial education extends through various platforms. As a published author, she shares her insights in books aimed at empowering individuals to take control of their finances. She hosts The Rachel Cruze Show, a platform available on YouTube and podcast, offering accessible financial advice. Additionally, she co-hosts Smart Money Happy Hour with George Kamel, providing engaging financial discussions, and frequently co-hosts The Ramsey Show with her father, Dave Ramsey, continuing the family legacy of financial guidance. For Rachel, the most rewarding aspect of her work is guiding people toward hope, financial peace, and genuine contentment, walking alongside them on their journey to financial well-being.
