If You Want to Become a Millionaire, Do This in 2026!
The Rachel Cruze Show
Ramsey Network
4.8 • 3.6K Ratings
🗓️ 4 February 2026
⏱️ 7 minutes
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| 0:00.0 | There are always going to be parts of life that we can't control. |
| 0:05.0 | But when it comes to your money, there are a few things that you can do today that a lot of people overlook to guarantee that you'll be on your way to a million dollar net worth. |
| 0:17.0 | Plus, I'm going to share my number one tip to keep in mind as you're building |
| 0:21.0 | wealth. Be sure to like, subscribe, and share this episode with a friend. All right, number one, |
| 0:26.6 | the first thing I would do is to get out of debt. No, it's not shocking that you're hearing that |
| 0:30.4 | from me, but honestly, when it comes to getting a positive net worth, taking the negative |
| 0:35.9 | side out helps the formula, yes. And listen, the exciting news is, |
| 0:40.7 | even though this is the first step, I'm telling you this is possible. There are so many people, |
| 0:45.6 | I mean, literally hundreds of thousands of people, millions of people that have done this, |
| 0:49.5 | that have gotten themselves out of debt and stayed out of debt. And there is something so |
| 0:53.5 | freeing about it. |
| 0:54.5 | Because not only are you able to use your income then to help you build wealth, which will |
| 0:58.8 | help you get you on the way to a million dollar net worth, but it also gives you peace of |
| 1:03.9 | mind. Like there is something about not owing anyone anything and knowing that the paycheck |
| 1:07.6 | you are working so hard for is coming to you and you get to make |
| 1:11.2 | decisions about it is so powerful. So getting out of debt is key. Number two, having emergency |
| 1:17.0 | savings. So again, not depending on the credit card or debt when emergencies come up, but depending |
| 1:23.5 | on what you have in the bank. So, like, you being your safety net is huge |
| 1:27.9 | and not depending on the bank |
| 1:29.8 | or the credit card company or whatever that is. |
| 1:32.1 | So that safety net continues to put you in the negative |
| 1:35.7 | if you go into debt, right? |
... |
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