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The Rachel Cruze Show

Signs You’re Better at Money Than You Think

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 15 September 2025

⏱️ 8 minutes

🧾️ Download transcript

Summary

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Do you ever wonder if you’re actually doing okay financially? In this video, you'll learn 6 signs that show you’re better with money than you think.     Next Steps: 🎥 Watch my video Are Your Habits Broke, Average or Wealthy? 💵 This is 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. 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

Yes, the housing market is competitive and yes, inflation is real.

0:09.7

But do you ever wonder if, despite all the noise, if you're actually doing okay financially?

0:14.6

Well, here are six signs that you're doing better with money than you think you are.

0:18.6

Let me know in the comments if you agree and make sure to like,

0:21.0

subscribe, and share this episode with a friend. All right, let's jump in. Sign number one,

0:25.7

that you're doing better with money than you think you are. You have more than $400 saved. So

0:31.4

here's what's crazy. A few years ago in 2022, data found that only 63% of Americans said that they would be able to afford a $400

0:39.5

emergency with cash or savings.

0:43.0

And that wild, you guys, so like 37% of Americans could not cover a $400 emergency.

0:48.7

So if you have more than $400 in the bank, you're doing great.

0:52.7

And if you have $1,000 saved, which is baby step one,

0:56.4

you are doing incredible. So, either that's a great sign for you or you're like, oh, crap,

1:02.3

I need to get some money saved. If so, get to it. All right, sign number two, you can cash flow

1:07.2

your monthly expenses. So for a lot of people, they are living in this paycheck to paycheck

1:13.1

cycle, meaning like they may be covering everything, but they have to wait for that next paycheck

1:17.5

for sure because they don't have savings. Like we just talked about, they have nothing. And if that paycheck

1:21.6

doesn't come in, things are not able to be paid. And so if you have some margin and some buffer,

1:29.4

then it is incredible when you're able to pay for those expenses, have some extra breathing room and some margin, and even carry it

1:34.8

over to the next month if you need to. But having that margin is fantastic, so you're not on this

1:39.3

like really tight paycheck to paycheck living or even worse if you're having to go into debt just to cover your basics.

1:46.5

Now, if you need help organizing all of this, a monthly budget is incredible, and every dollar

1:51.3

is my favorite budgeting app. I'll leave a link down below. Make sure to check it out.

...

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