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The Rachel Cruze Show

6 Excuses Broke People Make (And It’s Costing You!)

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 23 February 2026

⏱️ 8 minutes

🧾️ Download transcript

Summary

🛳️ Set sail with Rachel on the Live Like No One Else Cruise! Book your cabin today.   Building wealth is a challenge, but sometimes the excuse-making can go a little too far and stand in the way of progress. In this episode, I’m reacting to common excuses I hear from people who feel stuck with their money and how to shift that mindset to something better. Next Steps:  🎥 Watch my video 6 Financial Mistakes Made by High Income Earners. 📈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!   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

Yes, building wealth is a challenge and it's a marathon, but sometimes the excuse making

0:11.4

can go a little too far and can actually stop your progress.

0:14.7

So today, I'm going to react to common money excuses that I hear from people who feel like

0:19.1

they are stuck with money and how to

0:21.0

shift that mindset to something better. Be sure to like, subscribe, and share this episode with

0:25.2

a friend. All right, excuse number one. I deserve the splurge. The whole I deserve it,

0:32.4

emotional response, gosh, usually can take in a lot of entitlement, y'all.

0:38.3

I'm gonna just say it out loud, I know, I know, I know.

0:40.3

Listen, working hard, being stressed, like there's a lot going on.

0:44.3

And like, oh, I just deserve it, I just deserve it.

0:46.3

When that becomes the mentality and that's the pattern over time,

0:51.3

that's a very dangerous place to be, because it actually starts to slip into all of

0:54.4

your decision making and ultimately how you're viewing life. So instead of that, be thinking,

1:00.9

okay, I can't buy things I want with money that I don't have. When you do that, you start to learn

1:07.5

to live below your means. You start to shop smarter, you start to spend money

1:13.1

that you actually have versus going into debt for things. So definitely, I would say, if you have the

1:19.1

ability to save up and to buy it, then yes, you can buy it. You can make the purchase, do the

1:25.0

experience, whatever it is. But that level of thinking of,

1:28.3

like, I just deserve it. Even if you have the money can sometimes cause you to make not great

1:32.4

decisions. So be thinking through that. But especially if you don't have the money, it causes you

1:36.8

to go into deeper debt. Excuse number two, I'll make more money later in life. So a lot of people

1:43.6

will put off and kind of say,

...

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