Rachel Cruze > Quotes

“Debt basically enables people to live a lie.”
― Rachel Cruze, Smart Money Smart Kids: Raising the Next Generation to Win with Money

“We’re setting our kids up for failure when we teach them that what they really need is more of us and less of themselves. A great parent finds ways to allow children to fail so that they can teach that child one of the most important lessons in life: “You can fail, but Mom and Dad will never stop loving you. We’ll show you how to stand back up on your feet and try again.” If you really want to teach a child how to succeed, you have to teach them how to plow through failure.15”
― Rachel Cruze, Know Yourself Know Your Money: Discover WHY you handle money the way you do, and WHAT to do about it!

“Every dollar you spend is a reflection of your values.”
― Rachel Cruze, NOT A BOOK: Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“The bottom line is, it doesn’t matter how much money you make; it matters how much you keep.”
― Rachel Cruze, NOT A BOOK: Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“you have to realize the long-term implications of choosing to finance your present with your future. Debt steals the very thing that helps you win with money—your income.”
― Rachel Cruze, NOT A BOOK: Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“Until we accept the reality that the freedom money brings also comes with the responsibility to manage it well, we’ll never get to pursue the life we truly want. Instead, we’ll always be playing catch-up with our random desires and whims.”
― Rachel Cruze, NOT A BOOK: Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“If we believe the problem is too big for us to solve, it will be. If we believe we can conquer the mountain, we will. And how we’re going to do it will come to us in time.”
― Rachel Cruze, Know Yourself Know Your Money: Discover WHY you handle money the way you do, and WHAT to do about it!

“adopting a lifestyle of debt means you’ll be managing your debt, not your money.”
― Rachel Cruze, NOT A BOOK: Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“If we believe we can conquer the mountain, we will. And how we’re going to do it will come to us in time.”
― Rachel Cruze, Know Yourself Know Your Money: Discover WHY you handle money the way you do, and WHAT to do about it!

“Once you have those four basic areas covered, move down to other areas where you spend money—like insurance, cable, entertainment, and, of course, room for miscellaneous expenses. Life is going to happen.”
― Rachel Cruze, NOT A BOOK: Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“In the same way that you can’t expect to get a pass on the hard work, you also can’t expect your standard of living to automatically be the same as your parents. Radio personality Larry Burkett used to say that couples spend the first five to seven years of their marriage trying to attain the same standard of living as their parents—only it took their parents thirty-five years to get there.”
― Rachel Cruze, Know Yourself Know Your Money: Discover WHY you handle money the way you do, and WHAT to do about it!

“Ninety percent of solving a problem is realizing there is one.”
― Rachel Cruze, Know Yourself Know Your Money: Discover WHY you handle money the way you do, and WHAT to do about it!

“I’m proud to lead her in the work she’s doing—but I’m even more proud to be her dad.”
― Rachel Cruze, NOT A BOOK: Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“Those are your top priorities because you need to have food to eat, a roof over your head, clothes to wear, and transportation to take you where you need to go.”
― Rachel Cruze, NOT A BOOK: Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“For example, maybe you and your spouse decide to cover your parents’ mortgage for three months and match their savings for an emergency fund if they go through Financial Peace University and work the plan.”
― Rachel Cruze, Know Yourself Know Your Money: Discover WHY you handle money the way you do, and WHAT to do about it!

“Once you are debt-free except for your mortgage, bump your starter emergency fund up to three to six months' worth of expenses. That will be your fully funded emergency fund.”
― Rachel Cruze, Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“Make sure you have four basic areas covered before you do anything else:”
― Rachel Cruze, NOT A BOOK: Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“Once you're a homeowner, your house will probably be the biggest, long-term investment you have. Every dollar you spend on a mortgage or down payment is like putting money in a house-sized piggy bank, so it makes sense to look at home buying through the lens of saving.”
― Rachel Cruze, Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“My decision to live debt-free is no longer because “Mom and Dad told me to” but because it is a choice I have made for my life.”
― Rachel Cruze, NOT A BOOK: Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“A budget gives you the permission to spend your money in ways that will take you where you want to go. A budget means you can actually spend money on stuff you want. The purpose of a budget is not to limit your freedom but to give you freedom—with some boundaries in place.”
― Rachel Cruze, NOT A BOOK: Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“I believe C. S. Lewis said it best: “Humility is not thinking less of yourself, but thinking of yourself less.”
― Rachel Cruze, NOT A BOOK: Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“It made me realize how important it is not just to be aware of your habits but also to take control of them if you want to truly take control of your life.”
― Rachel Cruze, NOT A BOOK: Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“Practice doesn’t make perfect; practice makes permanent.” And permanent, positive change is what we’re after.”
― Rachel Cruze, NOT A BOOK: Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“Hope is believing your actions will create a positive outcome.”
― Rachel Cruze, Know Yourself Know Your Money: Discover WHY you handle money the way you do, and WHAT to do about it!

“think of habits as healthy disciplines that enhance their lives.”
― Rachel Cruze, NOT A BOOK: Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

“money is just a magnifying glass: It makes you more of whoever you are. If you’re kind and generous, you’ll be even more kind and generous with money. If you’re rude and self-centered, you’ll be even more rude and self-centered with money. Money is just a tool and has nothing to do with your identity.”
― Rachel Cruze, Know Yourself Know Your Money: Discover WHY you handle money the way you do, and WHAT to do about it!

“The fear of not having enough is often asking, “Am I safe?” • The fear of not realizing dreams is often asking, “Does my life have meaning and purpose?” • The fear of not being capable and being held back by external forces is often asking, “Can I believe in myself?” • The fear of past mistakes is often asking, “Can I be forgiven?”
― Rachel Cruze, Know Yourself Know Your Money: Discover WHY you handle money the way you do, and WHAT to do about it!

“The key here is to not only prepare for your dream, but also to keep your hope burning while you’re doing the hard work of building a solid financial foundation. As long as you keep your hope alive, you’ll be able to overcome whatever setbacks you face—no matter how long it takes to achieve your dream.”
― Rachel Cruze, Know Yourself Know Your Money: Discover WHY you handle money the way you do, and WHAT to do about it!

“Global researcher and thought leader Marcus Buckingham said, “Childhood either enables you or stunts you; it doesn’t create you.”3 Your childhood may have given you a rocky start, but it doesn’t make or break you.”
― Rachel Cruze, Know Yourself Know Your Money: Discover WHY you handle money the way you do, and WHAT to do about it!

“Sometimes your season of life slows your progress. When this happens, remember it’s temporary. Don’t give up on your dream—just be realistic about what it will take to get there.”
― Rachel Cruze, Know Yourself Know Your Money: Discover WHY you handle money the way you do, and WHAT to do about it!