The following podcast is a deer media production.

Welcome back to another episode of Trading Secrets. Today I am joined by Rachel Cruz,

a two-time number one national bestselling author, financial expert and host of the Rachel

Cruz show, which I had the pleasure of being on. Since 2010, Rachel has worked for her father's

personal finance, legendary empire. You may have heard of them Dave Ramsey. It's called Ramsey

Solutions, where he and her and their massive team teaches people to avoid debt, save money,

budget, and how to win with money at any stage in life. She's also authored three bestselling

books, including smart money, smart kids, which she co-wrote with her father. Today we're going

to discuss all things money with Rachel, including what her opinions are on today's stock market,

the housing market, and what she thinks are the key factors that shape people and how they manage

their money in a time like today, which is just mayhem. So Rachel, it is so timely that you're on,

and thank you so much for being on this episode, trading secrets.

Yeah, Jason, thanks for having me on. I appreciate it. So for anybody that doesn't know,

Ramsey Solutions, I mean, I got it, I got to just pump the tires. I walk up there,

didn't know what to expect them doing Rachel's show. It is an empire. I mean, what they have built

in the impact they have made in national Tennessee and well, well, beyond is incredible.

And I saw that your dad started this empire and built it in 1992. So that's when you were just a kid.

I'm curious, what was it like seeing your dad kind of build this from nothing? And additionally,

what was it like living in the household of a pretty strict financial father with a lot of

guidance and principles? Yeah, you know, it's funny because I feel like people are like,

oh, your Dave Ramsey's daughter, and they have this idea in their head that we had mutual

fund birthday parties. We're in budget camps every summer, all this stuff. And honestly,

...