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The Rachel Cruze Show

Questionable Money Hacks I Now Swear By

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 20 October 2025

⏱️ 7 minutes

🧾️ Download transcript

Summary

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Sometimes I’m guilty of leaning too far into the “If it ain’t broke, don’t fix it” mindset. But I have definitely changed my tune on some new money hacks over the years. So today, I’m sharing a few of those with you.    Next Steps: 🎥 Watch my video 6 Things I Teach About Money That Will Make You Angry or Wealthy. 💵 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

Sometimes I'm guilty of leaning too far to the,

0:09.0

If it ain't broke, don't fix it mindset.

0:11.0

You know, if it's working, just keep at it.

0:13.0

But I have definitely changed my tune on some new money hacks over the year,

0:18.0

so today I'm sharing a few of those with you.

0:20.0

Make sure to like,

0:21.0

subscribe, and share this episode with a friend. All right, man, there were things that have

0:25.8

come out in the money space and I'm like, I don't think I'm going to do that. And then I

0:29.9

end up doing it. So first up, we have Apple Pay. Okay, we all know I can be a little bit of

0:36.4

a conspiracy theorist. You know, I'm a little conspiracy theory forward sometimes in life. I'm not going to lie when Apple Pay came out. I'm like, I'm not putting my info on my phone because they're watching us and tracking and get to whatever. No. So for so long, I was like, no, I'm not doing that. I'm not doing

0:55.1

that. And then, you know, you fall back into the trends and I can't get enough of it now.

1:02.7

I'm not going to lie. I love it. I have been known to forget my purse every now and then.

1:08.9

If you're a police woman or man, don't judge me for this. But I'll get to a store and I'm like, crap, I totally forgot my purse. Like I left it, you know, inside or whatever. And the convenience of stores having Apple Pay, because I always have my phone, always. I'm like, oh, it's so easy. It's so easy. Even if I don't forget my purse, and they're like,

1:27.6

oh, here's Apple Pay. I'm like, oh, I'll do that over trying to like get my debit card out, all the things. So, as always, cautionary tale, when you are paying, especially with something like Apple Pay where you're not even swiping, you don't even take anything out. It's just part of it. Just looks at your face. You can tend to spend more. Okay? So remember that. The emotion is very detached. So it's always my word of caution, but I was a hater on Apple Pay, but now can't live without it. All right. Next is excessive Amazon delivery. So when Amazon started, if you can remember back in

2:02.9

the day, it was books. Like that's what people bought off Amazon mostly was books. And then people

2:08.1

started buying other things. And I remember thinking that was so bizarre. There was a guy I used to

2:12.1

work with. And he would get his toilet paper, Amazon to his house. And again, this was like on the

2:16.8

cutting edge. And we all, everyone made fun of them. We were like, you're insane. Like, toilet paper,

2:22.5

clean eggs. Like, go to the store. Go to the store. I was a little judgy. Now, times have changed,

2:28.5

and it's become way more normalized to do this. And y'all know me. If you've been watching this

2:33.4

channel for any amount of time,

2:34.7

you know I love a good Amazon purchase. So I am, I'm in there. Yep. And now, you know,

...

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