Hey friends, welcome to Girls Night. I'm Stephanie May Wilson and I am so happy that you're

here. Each week I have a girlfriend over and we talk through one of the biggest questions

we have about our lives as women. We're talking about friendships and faith and relationships

and self-confidence, about our calling in life and how to live every bit of our lives

to the absolute full. Life is so much better and easier and absolutely more fun when we

navigate it together as girlfriends and I cannot wait to get started. Our guest for

today's episode is my new friend Rachel Cruz. Rachel is a New York Times bestselling author

and a speaker with a heart to help others become smart with their money and that is exactly

what we're going to be talking about today. Friends, I'm super excited about this episode

because I know that money is something that every single one of us struggles with. I know

that a lot of the women in our community are carrying some major school and credit card

debt. I know that others are trying to figure out how to spend less and save more. We're

all trying to figure out if we need a budget, how to create a budget, how to stick to a budget,

and we're just not really sure about any of that. I know that for so many of us we feel stuck

and just play lost when it comes to our money and that makes our financial life so hard,

but it also makes the rest of our lives hard too. Our finances hold us back from so many

of the things we want to do in our lives and we just don't know how to change that.

And y'all, that's why I'm super excited to have Rachel on the show today. First of all,

Rachel is a friend who gets it. She's a fellow spender who didn't love the idea of being

on a budget either and so the things she teaches us to do are actually practical, doable,

and won't ruin our fun, they'll actually enable us to have more fun. I love that. She's

also brilliant. I love this conversation feeling empowered and excited about the prospect

...