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The Rachel Cruze Show

The Myth of Passive Income (What No One Tells You)

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 6 March 2026

⏱️ 7 minutes

🧾️ Download transcript

Summary

👩🏻‍💻 Take the Side Hustle Quiz!   The idea of earning passive income seems to be everywhere lately. I recently saw a reel that perfectly called out the problem with influencers pushing this trend. So today, I’m going to react to that reel and break down what no one is telling you about passive income. Next Steps:  🎥 Watch my video Why Being Boring Is the Best Way to Build Wealth. 💵 Start your free budget today. Download the EveryDollar app! 📈 Are you on track with the Baby Steps? Get a free personalized plan.   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

The idea of earning passive income seems like it's everywhere lately, whether it's real estate,

0:10.4

digital products, investing, AI side hustles, you name it.

0:14.1

And I saw a reel the other day and it made me laugh out loud because it perfectly called

0:18.2

out the problem that it feels like some influencers are pushing.

0:21.2

It's like this trend out there.

0:23.2

So we're going to watch that clip and then I'll break down what no one is really telling

0:26.7

you about passive income.

0:28.0

So before we dive in, make sure to like, subscribe, and share this episode with a friend.

0:31.6

Okay, here's the clip that I saw.

0:33.6

I was just served a reel of a woman who makes $5 million a year selling a course to other women that teaches them how to sell the course.

0:45.2

But don't worry, you don't need your own course.

0:47.5

You just use her course.

0:49.0

Sorry, what?

0:50.2

Course about what?

0:51.5

Oh, a course about how to sell the course.

0:53.0

Okay, figuring out more and more.

0:55.5

Nothing is real. What are you talking about a course that teaches you how to sell the course?

1:00.0

And by the way, she apparently has nine other revenue streams because when someone buys the course and then goes to sell the course about how to sell the course, they then also probably need these other platforms

1:12.0

that she has affiliate links to. Like, sorry, what? Now listen, I'm not saying all courses

1:19.3

are evil or bad, but also I'm like, oh my gosh, there is so much out there y'all, because social

1:23.9

media makes things look instant and easy and beautiful and profitable and all this stuff. And it's like, buy my course here and learn how I got 80,000 Airbnbs and I make $4 billion a month. You know, and it's like, buy my course, buy my course. You're like, what? It's basically like the MLM of today. You know what I mean? It's crazy. But here's the deal. Passive income is not really passive. It takes so much work,

1:45.5

and it's not usually like, oh, I lucked upon this one course that's going to like change my whole life.

...

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