6 Excuses Broke People Make (And It’s Costing You!)
The Rachel Cruze Show
Ramsey Network
4.8 • 3.6K Ratings
🗓️ 23 February 2026
⏱️ 8 minutes
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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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