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The Rachel Cruze Show

7 Subtle Signs You’re on Track to Be a Millionaire

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 5 December 2025

⏱️ 10 minutes

🧾️ Download transcript

Summary

📈 Are you on track with the Baby Steps? Get a free personalized plan.   In this episode, I’m sharing seven surprising signs that you’re on your way to becoming a millionaire—no lottery ticket required. You’ll see how small, intentional choices with your money can add up to lasting wealth and peace of mind. Next Steps: 🎥 Watch my video 5 Simple Habits “Quiet Millionaires” Swear By. 💵 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

So the truth is, becoming a millionaire

0:05.0

isn't always flashy.

0:09.0

It's not like this overnight success

0:11.0

that you see in the 90s movies.

0:13.0

So we're gonna talk about seven subtle, slightly boring signs

0:17.0

that you're actually already on your way to building wealth.

0:20.0

So stick around and find out where you fall and make sure to like, subscribe, and share this episode with a friend. Okay, we loved blank check the movie, the Disney movie. You know, rich you rich, like all these movies in the 90s as kids, and you're like, oh my gosh, look how, look how this money. And you just write a check for a million dollars and get a castle and a limo and all this you know but now as adults we all know that yes building wealth takes time

0:42.3

and there's still a little kid in all of us that wants to believe yeah i think i can get rich quick

0:47.0

and i'm going to win the lottery i'm going to find a blank check and everything's going to be fine

0:50.8

but it's not always true so we subtly start to build wealth and that is the reality and that's going to be fine, but it's not always true. So we subtly start to build wealth,

0:56.2

and that is the reality. And that's okay. It's going to be slowly but surely, but it is great.

1:02.4

So the first subtle sign that you are getting ahead financially is consistently investing in

1:08.7

retirement. I know, so boring, you guys. But this is full proof. I'm telling you, this is where people get greedy. My dad always talks about the tortoise and the hair. He loves that book for so many elements and metaphors in life. But this is true. Like, be the tortoise. Be boring. And when you go and you talk to people that are actually net worth millionaires, and you talk to them on the street, there's so many Instagram accounts now that they're like interviewing people on the street. And it's just like an average looking couple, you know, and they're like, yep, we funded our 401k and Roth IRAs and paid off our house and just this. And it's just boring. But yet they have like a $4 million net worth

1:44.9

and it's fantastic. And like one was a teacher, one was an engineer or whatever. So I'm telling you,

1:49.9

it may feel boring and not exciting, but over time it works. So fund 15% of your income into

1:56.4

retirement after your debt free and after you have a fully funded emergency fund and do it consistently,

2:02.3

month after month, year after year, be funding your retirement. Number two, I mentioned it earlier,

2:08.1

but paying your house off early. And so this is definitely something that adds to your net worth,

2:14.4

but it also adds to your peace of mind because that housing line item in your

2:18.8

budget is always the most expensive. And so if you are a renter for your entire life, that is just

2:23.5

going to continue to increase and take part of your budget. It is. Now, if you have a mortgage,

2:28.8

obviously, for most people, if it's a 15-year fixed rate mortgage, which is what I recommend,

...

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