How to Take Control of Your Finances in 20 Minutes
The Rachel Cruze Show
Ramsey Network
4.8 • 3.6K Ratings
🗓️ 17 October 2025
⏱️ 10 minutes
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| 0:00.0 | Well, unfortunately, I can't magically deposit a million dollars into your bank account tomorrow. |
| 0:10.6 | I wish I could, but I can't. |
| 0:12.7 | But believe it or not, I can offer you some pretty instant relief for whatever financial |
| 0:18.1 | dilemma you might be facing. |
| 0:19.9 | And spoiler alert. Step one is a mindset shift, |
| 0:23.9 | and step two gets a little bit more specific. So stay tuned for all of it. And make sure to like, |
| 0:28.1 | subscribe, and share this episode with a friend. So I saw a CNBC article the other day, and it got me |
| 0:34.2 | thinking about how important the mindset is when it comes to your |
| 0:38.0 | money. We always say, Rob Ramsey, that personal finance is 80% behavior. It's only 20% head |
| 0:43.8 | knowledge. So there's a head knowledge side that you need to know, but mindset is even more than |
| 0:48.7 | just head knowledge. So not even knowing the facts and numbers, being able to explain what a mutual |
| 0:53.2 | fund is. So we're not talking about that. |
| 0:54.9 | But the mindset and the belief and why you do things with money is such a big deal because |
| 1:00.1 | that has paired so closely to your behavior. |
| 1:02.5 | And when your mindset changes, then your behavior is going to change. |
| 1:06.7 | But it can be tough to sort through your thoughts and your anxieties and kind of get to the |
| 1:11.7 | other side of worry and doubt. So let's set aside 20 minutes, either daily or weekly, and I want |
| 1:18.4 | you to do five simple steps. You ready? Step one, write everything down. Write it all down. |
| 1:25.7 | And this can include your worries, your stressors, your frustrations, financial problems, like whatever is going on that's in your head that is stressing you out, write it down. I will do this on my notes app, sometimes on my phone, because I'm like thinking through this, and maybe even small stressors of like a scheduling thing. And I'm like, oh gosh, am I going to be late here? And I'm like, you know what? I'm just going to timestamp it |
| 1:47.0 | out and just see it out there because there's something about it getting out of your brain and out |
| 1:52.9 | on paper to visualize what is going on. So if there is a stress point with your money that keeps coming |
| 1:58.8 | up over and over and over again, write it down. |
... |
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