Rachel Cruze

Author of 'Know Yourself, Know Your Money'


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accurate as of 07/07/2022

Exclusive Q&A With Rachel Cruze:

What is a common bad financial habit that you think everyone should try to break?

Impulse buying! It’s fun in the moment and even gives you a rush of dopamine, but it’s temporary and can totally wreck your budget. Get this: Two out of three impulse buys happen in bed on a phone! Ditch the urge to “add to cart” and throw all that extra money toward debt or savings, depending on your situation.

What is your best budgeting tip?

Use a zero-based budget. Simply put, zero-based budgeting is when your income minus your expenses equals zero. This method is effective because you are being intentional with every single dollar coming in and can decide how much to put toward debt, savings and retirement every month. Your budget is also most effective when you track your spending regularly. I do this every day!

What’s something that’s never worth spending money on?

I think it’s easy to fall into the “treat yourself” or “I deserve this” mindset and spend money on unnecessary items. So first and foremost, always focus on your “four walls”: food, utilities, shelter and transportation. This doesn’t mean you can’t have fun money, but it needs to be budgeted for.

Non-essential items can vary (from) person to person, but a few things I won’t be spending money on this year are pre-cut produce, subscription boxes, high-end skin care products and a gym membership. Most of these are things that I’ve found cheaper, or even free, options that work just as well for me!

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Other Media Projects:
“Love Your Life, Not Theirs” (book); “Smart Money Smart Kids” (book); “The Rachel Cruze Show” (video and podcast)

A No. 1 New York Times bestseller



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