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The Rachel Cruze Show

Money Lessons We’ve Learned in 15 Years of Marriage (With Winston Cruze)

The Rachel Cruze Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.83.6K Ratings

🗓️ 18 June 2025

⏱️ 21 minutes

🧾️ Download transcript

Summary

💍 Get your tickets for our Money & Marriage Getaway happening February 12–14, 2026. Today’s special guest is my amazing husband, Winston Cruze! In this episode, we’ll share the biggest lessons we’ve learned in 15 years of marriage, plus how you can grow even stronger in your relationship. Next Steps: 🎥 Watch my video Money Habits You Need to Change Right Now (With Dave Ramsey). 📈 Are you on track with the Baby Steps? Get a free personalized plan. 💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: 🏥 Learn more about Christian Healthcare Ministries. 🔒 Get 20% off when you join DeleteMe. 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

All right, today I have my favorite person on the show, Winston, my husband. We've been married 15 years, and there's a lot there, you know, when it comes to money and marriage and working together as the same team, but yet appreciating what we each individually bring to the table,

0:23.5

kids, raising them in today's world, all of it. So we're going to chat about all of that and make

0:28.1

sure to stick around because later I'll share some details about one of my favorite events coming up

0:33.0

that you don't want to miss. So make sure to like, subscribe, and share this episode with a friend.

0:37.0

All right, let's get started. Well, hey, babe. Thanks for being here.

0:40.5

It's good to be here for the first time. I think it is your first time, right? Yeah. I've

0:45.4

never sat on this couch. Yeah, never, never been here. Well, welcome. Thanks for coming.

0:51.7

It's been a long time you've been doing this. Long time coming. I know. People have been wanting you.

0:56.4

And it's happening.

0:57.6

Well, we worked a deal. Found it. We did it.

1:01.2

Paying them by the hour.

1:02.8

Okay, so money and marriage is always a topic.

1:05.6

I feel like creates conflict with a lot of couples.

1:09.4

And I feel like it's like even the one piece of advice of combining

1:11.9

your finances is like the one place I get attacked the most, like especially on social media and

1:16.0

stuff. As we talk about money, we've been married 15 years and money in our marriage and

1:21.3

relationship. Like, I'm curious just from your perspective, like how important is it to work on

1:26.8

the same team and to say, yeah, we are one in this

1:29.6

area of life, even though we're opposites.

1:31.3

So we come at it differently.

1:32.6

But seeing yourself as a unit versus trying to keep everything so separate and still

1:37.7

like running your own on your own track.

...

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