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The Rachel Cruze Show

Financial Red Flags in Dating (Never Settle on These!)

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 22 September 2025

⏱️ 8 minutes

🧾️ Download transcript

Summary

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Money and relationships can feel like a gray area, but there are red flags to look out for. In this episode, find out which financial habits I would never recommend compromising on.    Next Steps: 🎥 Watch my video The BIGGEST Mistakes Newlyweds Make in the First Year. 💵 This is the simplest way to budget. Download the EveryDollar app for free!   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

Money and relationships can feel like a gray area. But if Winston didn't exist and I was out there

0:11.6

dating today, here are the financial habits or red flags that I would never compromise on.

0:17.4

Be sure to like, subscribe, and share this episode with a friend. All right, before I get into

0:21.3

the list, I do want to clarify a lot of these non-negotiables are assuming that you're working the Ramsey plan. But the good news is, even if you're not working the Ramsey plan, it's basically common sense. Like, I think it's like wise things that we're talking about on this show. So even if you're not doing step-by-step the baby steps still stick around because I do think that there's levels of

0:40.3

clarity that we're talking about on this show. So even if you're not doing step-by-step the baby steps, still stick around because I do think that there's levels of clarity that we all need

0:41.8

and hopefully these red flags that I'm bringing forward, you can relate on. Here's the first

0:46.2

financial habits that is a non-negotiable to me, that they're not willing to listen to you.

0:52.4

People's experiences really do shape their values, right? The story that you

0:57.1

have and that you've lived through, there are things about that that shape what you really believe

1:02.0

is important. And so if you have your money beliefs and your principles, other people are going to

1:06.8

have theirs too, which is so great. But if you guys can't go back and forth and listen

1:11.5

and respectfully understand where the other person's at, then it's not worth the relationship.

1:16.9

Because what will happen then is you start to stonewall and you guys start to live separate

1:21.4

lives financially and especially if you get married and that's just a disaster. And so when

1:27.2

you and your significant other can honestly sit down and say, hey, and that's just a disaster. And so when you and your significant other

1:28.5

can honestly sit down and say, hey, here's what I believe, here's why I believe this, and here are some things

1:34.7

that are really true about me and money that I need to be true in my life, which means if this

1:40.0

relationship goes any further, like this has to be real for both of us, and we have to have this perspective together. And it's really important. Now, remember, you're both going to be individuals. So naturally, there's always going to be one who likes to spend more, one who wants to save more, right? So your personality doesn't change. But the value system at which you look through the lens of how you handle your money, that being as consistent

2:01.1

as possible is really important. That's why you want a partner who's going to listen to you.

2:06.5

All right, financial red flag number two, that they won't share anything about their personal

2:10.9

finances. I don't like that. Now, I'm not saying on the first day, you guys are talking through

2:16.0

like 401K numbers and all the things.

...

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