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The Rachel Cruze Show

If You Want to Become a Millionaire, Do This in 2026!

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 4 February 2026

⏱️ 7 minutes

🧾️ Download transcript

Summary

📈 Use the Investment Calculator to see how your money can grow over time.   In this episode, I’m breaking down a few simple money moves people often overlook that can put you on the path to becoming a millionaire. None of it is flashy, but if you focus on the right habits and stay consistent, you can start building real, lasting wealth this year. Next Steps:  🎥 Watch my video Why Being Boring Is the Best Way to Build Wealth. 📈Are you on track with the Baby Steps? Get a free personalized plan. 💵 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!   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

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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