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The Rachel Cruze Show

These People Found an Extra $3,015 a Month (Here’s How)

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 27 October 2025

⏱️ 10 minutes

🧾️ Download transcript

Summary

💵 The simplest way to budget. Download the EveryDollar app today!   Would you believe me if I said you could find over $3,000 in your budget in just 15 minutes? Yep, it’s true! And in today’s episode, I’m going to show you how. Next Steps: 🎥 Watch my video 7 Creative Side Hustles for an Extra $1,000 a Month 📈 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

Would you believe me if I said that you could find over $3,000 in your budget in just 15 minutes?

0:11.0

Well, that's exactly what I'm saying. And stay tuned to find out how. Make sure like, subscribe,

0:16.0

and share this episode with a friend. All right, let's jump in, you guys, because so many people

0:20.4

that I meet in my line

0:21.7

of work have lived paycheck to paycheck for their living paycheck to paycheck most of their adult

0:26.9

lives. And we have found the number one emotion around money is unsurprisingly stress. So I've been doing

0:34.7

these webinars once a week for the past couple of months.

0:38.9

And I also get DMs on social media.

0:42.6

I get calls in from the Ramsey show.

0:44.4

And so literally regardless of where I am and people or have questions around money or they want to change what they've been doing with money, you know, I do find that, yes, that paycheck to paycheck living cycle is so common, so normal.

0:58.1

And also stress, anxiety, and fear are so high on the emotional scale for people.

1:04.1

And it's not until they actually start working a plan, getting out of debt, budgeting,

1:09.8

that we see those numbers completely flip. We're actually hope, the out of debt, budgeting, that we see those numbers completely

1:11.6

flip. We're actually hope, the emotion of hope skyrockets, the emotion of even being motivated,

1:18.1

having motivation skyrockets. And then those more negative emotions of anxiety and fear and all

1:22.7

of that end up going down. And so we see that over and over again, and it's a really beautiful thing.

1:28.2

But again, getting on the plan is key because the average family pays out $1,237 a month in non-mortgage

1:37.9

debt. You guys, that's a really expensive way to live. If you give that amount of money away

1:43.5

every single month out to banks

1:46.6

and credit card companies and Sally Mae versus keeping it and actually paying yourself that money

1:53.0

or investing that money, you're going to be in that paycheck to paycheck cycle for a long time.

1:58.6

But let's say that you were out of debt in the next two years

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