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The Rachel Cruze Show

Grow Your Wealth with These 5 Boring Habits

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 23 January 2026

⏱️ 8 minutes

🧾️ Download transcript

Summary

📈 Are you on track with the Baby Steps? Get a free personalized plan. In this episode, I’m breaking down the five simple, kind of boring habits that have helped me build real wealth—and showing how these basics can completely change your financial life. If you’re ready to grow your money with confidence and consistency, this one’s for you! Next Steps:  🎥 Watch my video 10 Minutes of People Living Frugally and Winning. 💵 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 whether you're starting out in the negative with student loans or you have an inheritance

0:09.4

of a hotel heiress, anyone can grow the money that they have. So today I'm going to share

0:15.0

five boring but basic habits when it comes to building wealth over the years. Be sure to like, subscribe,

0:21.6

and share this episode with a friend. Okay, so these are five things that have helped me over

0:26.8

the years when it comes to thinking long term and building wealth. And they're kind of broad,

0:30.5

they're kind of boring, I feel like. They're not very exciting. But I'm telling you,

0:34.7

they are absolutely needed. If you don't have these things, it's going to be very, very difficult to build wealth long term.

0:41.3

Number one is don't let your thoughts limit you.

0:44.9

Okay, this is really important because if you really do believe that the world isn't going to work for you

0:50.2

and building wealth is never going to happen and like you're just set up to never win,

0:54.9

then you're not even going to try.

0:56.4

Like if that is your thought process.

0:58.1

But if you also have the thought process on the other end of, hey, what would it look like

1:02.9

if I created a plan and actually stuck with it when it came to my money?

1:07.7

What if I lived below my means?

1:09.9

What if I did these things and actually started to see progress, I really probably could build wealth. Like it's really important. Our thoughts are really, really important. And even growing up, I mean, our parents told us, like, you can be whoever you want to be, do anything you want to do. I mean, like, there was like this attitude about the world is there and you can take it.

1:27.6

You can do it. Anything is possible. You know, with the right attitude, hard work and all of it.

1:31.5

So I know that sounds a little naive, but honestly, as an adult, I really do believe, though,

1:36.8

what our thoughts are, create our actions, which really does create our future and what our

1:42.3

life is going to be. So if you are hopeless, you're

1:45.5

not going to do anything. Your actions are going to mirror that. But if you're hopeful and you do

1:50.6

have belief in something, then you're going to be able to say, okay, I'm actually going to do

...

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