Rachel Cruze (née Ramsey; born April 25, 1988) is an American author who specializes on the subject of

personal finance Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events. When planning personal fin ...

.Steve Rosen, March 2, 2012, Kansas City Star
Like Dave Ramsey, like daughter: Rachel Cruze has a perfectly plausible reason for not owning a credit card. She's a Ramsey.
Retrieved August 12, 2015, "...Cruze 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..."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. ..." Her book ''Smart Money Smart Kids'', co-authored with her father,

Dave Ramsey David Lawrence Ramsey III (born September 3, 1960) is an American personal finance personality, radio show host, author, and businessman. An evangelical Christian, he hosts the nationally syndicated radio program '' The Ramsey Show''. Ramsey ha ...

, reached number one on ''

The New York Times Best Seller list ''The New York Times'' Best Seller list is widely considered the preeminent list of best-selling books in the United States.John Bear, ''The #1 New York Times Best Seller: intriguing facts about the 484 books that have been #1 New York Times ...

'' in 2014.May 11, 2014, The New York Times
NY Times Bestseller: #1 -- SMART MONEY SMART KIDS, by Dave Ramsey and Rachel Cruze
Retrieved August 11, 2015, "...Encouraging wise fiscal practices in the next generation. ..." Her second book ''Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want'' was published in 2016.Kim Thompson on September 25, 2011, SF Gate
Interview with Rachel Cruze, author of “Smart Money Smart Kids”
Retrieved August 11, 2015, ".... Talking about financial issues is not a foreign topic to Rachel Cruze, who grew up with a front row seat listening to her father, Dave Ramsey, one of the most trusted names in money and business..."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...."

Early life and education

Cruze was born and raised in

Tennessee Tennessee ( , ), officially the State of Tennessee, is a landlocked state in the Southeastern region of the United States. Tennessee is the 36th-largest by area and the 15th-most populous of the 50 states. It is bordered by Kentucky to ...

, one of three children born to author and radio host

and his wife, Sharon Ramsey. She was raised in an

Evangelical Christian Evangelicalism (), also called evangelical Christianity or evangelical Protestantism, is a worldwide interdenominational movement within Protestant Christianity that affirms the centrality of being "born again", in which an individual experi ...

household. Cruze attended Brentwood High School and earned a Bachelor of Arts degree in communications from the

University of Tennessee The University of Tennessee (officially The University of Tennessee, Knoxville; or UT Knoxville; UTK; or UT) is a public land-grant research university in Knoxville, Tennessee. Founded in 1794, two years before Tennessee became the 16th state ...

Career

Cruze has been cited on how to save for purchasing a home.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." ..." She advocates using debit cards instead of

credit card A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's accrued debt (i.e., promise to the card issuer to pay them for the amounts plus the o ...

s 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 ''The Kansas City Star'' is a newspaper based in Kansas City, Missouri. Published since 1880, the paper is the recipient of eight Pulitzer Prizes. ''The Star'' is most notable for its influence on the career of President Harry S. Truman and ...

''. Cruze has appeared on '' Good Day L.A.''.Los Angeles Times
SERIES
Retrieved August 12, 2015, "...Good Day L.A. ... motivational speaker Dave Ramsey and his daughter Rachel Cruze..."

Works

*''Smart Money Smart Kids'' (co-authored with her father

) *''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''

References

External links

YouTube channel
{{DEFAULTSORT:Cruze, Rachel 1988 births American business writers Women business writers American finance and investment writers American financial literacy activists Place of birth missing (living people) American financial commentators Living people People from Nashville, Tennessee Personal finance education University of Tennessee alumni Writers from Tennessee 21st-century American non-fiction writers 21st-century American women writers American women non-fiction writers Women business and financial journalists Christians from Tennessee