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Rachel Cruz is a two-time number one national best-selling author.

She's a financial expert and host of the Rachel Cruz show.

Rachel serves at Ramsey Solutions where she teaches how to budget, how to avoid debt,

and win with money at any stage in life.

Rachel, thanks so much for coming on takeaways and helping us think about this really important subject. Many people know, but some people don't know, that Dave Ramsey is your dad.

And I just, it makes me laugh to think of what it must have been like growing up under his financial roof.

You know, some people, some people feel bad for my kids. They think, you're Kirk

Cameron's kids. Like, you must not have been able to do anything bad. I'm sure he was the sin

police 24-7 or something like that. So what was it like for you? Did you get an allowance or

was it just clamped down all the time? No.

You know what?

It's funny because people do.

They have all these assumptions and they think we had mutual fund birthday parties and like

budget camps and stuff, right, that we were like obsessed with money.

...