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The Rachel Cruze Show

Reacting to Celebs’ Thoughts on Nepo-Babies and Spoiled Kids

The Rachel Cruze Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.83.6K Ratings

🗓️ 16 July 2025

⏱️ 8 minutes

🧾️ Download transcript

Summary

📈 Are you on track with the Baby Steps? Get a free personalized plan.   I’ll be the first to admit there are real advantages to being a nepo baby. In this episode, I react to what a few A-list celebs have said about nepotism and unpack what this means for any parent.    Next Steps:  🎥 Watch my video What Everybody Gets Wrong About Generational Wealth.  💵 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

So the term nepo baby has kind of become a buzzword. And if you're not familiar with that,

0:10.2

it basically comes from the word nepotism. And that refers to people who end up working in the same

0:14.8

industry as their successful parents. So spoiler alert, I'm kind of a nepo baby. Talking about

0:20.5

money, Dave being my dad. It's

0:22.4

true. But also, Ramsey, we talk about changing your family tree and how do you set up the next

0:27.2

generation to win. So we're going to talk all about it. And we have some A-list celebrities that

0:31.4

have thoughts on this too. So make sure to leave a comment, like, and subscribe to the channel.

0:37.2

Okay, so here's the thing. When you are looking

0:39.4

at personal finance, you can ignore that some people have more advantage than others. Okay, this is

0:45.1

true. So whether it's generational wealth, whether your parents have helped you pay for a car,

0:50.1

pay for college, you know, even having just the knowledge of how to handle money, whatever the

0:55.0

factors are, there are people that start off at a different place.

0:58.7

Now, is that always a negative thing?

1:00.8

Because the word nepotism or the idea of someone starting off better usually comes with a

1:05.2

negative context.

1:06.8

And so there is a degree where that can be true because I think that's where levels of entitlement

1:10.3

and competence, like things that we are not good in life can be bred out of those things. And we don't want that. But we do want factors of your story to say, hey, if you have been winning financially, then yeah, it's only natural that you want to be able to help your kids, but you want to do it in a really healthy way.

1:27.6

And so whether, you know, you are a nepo baby or not, or you're going to have nepo babies or not,

1:32.0

all parents want their kids to grow up with dignity and resilience. And so I found it so

1:37.4

relatable in a sense when I saw a couple of these videos from celebrities where they

1:42.9

started talking about this idea in interviews, and it was so funny. So today I'm going to rewatch both of these videos from celebrities where they started talking about this idea in interviews,

1:46.1

and it was so funny. So today I'm going to rewatch both of these two clips that I saw and kind

...

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