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The Rachel Cruze Show

5 Home Upgrades That Pay You Back (and 4 to Skip!)

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 15 December 2025

⏱️ 7 minutes

🧾️ Download transcript

Summary

🏡 Need help with all things real estate? Get access to a RamseyTrusted® pro in your area.   Owning a home is a major financial win . . .  and a huge responsibility. In today’s episode, we’re discussing which home upgrades get you your money’s worth and which ones don’t.   Next Steps: 🎥 Watch my video Building vs. Buying a House: Which Is Better? 📈 Are you on track with the Baby Steps? Get a free personalized plan. 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

Owning a home is a major financial win and a big responsibility.

0:10.3

So whether you are revamping the home that you're in to make it a long-term home,

0:14.7

or maybe you're looking to sell soon, here are five smart, cost-effective updates, and four

0:20.7

common mistakes to avoid.

0:22.6

Now make sure to like, subscribe, and share this episode with a friend.

0:25.6

All right, we'll start off with the positive.

0:27.6

So the upgrades that are worth it.

0:28.6

Number one, your kitchen and bath.

0:30.6

Yes, this will pay you back.

0:32.6

These are two spaces that often require the biggest overhaul because you have flooring, cabinetry, fixtures,

0:39.7

appliances, like there's a lot that goes into this. But according to a 2025 study, a minor kitchen

0:46.0

remodel can increase your home's value by 13%, aka you earn back 113% of what you spent on it.

0:53.9

So it's a great investment.

0:56.0

Now make sure to choose more light to neutral colors.

0:59.7

I think that obviously is just better for people to envision their life in that versus

1:04.6

like loud things, loud colors.

1:06.7

We don't want that.

1:07.8

All right.

1:08.0

Number two, neutral tile and hardwood are always a plus.

1:12.8

So when we're talking about kitchens and bathrooms, tile and hardwood floors are a great way to

1:19.1

update those spaces and really add some value. Now, just make sure you choose colors and tones,

1:23.7

again, that are natural. You know, again, it feels a little bit, you know, that people can

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