These People Found an Extra $3,015 a Month (Here’s How)
The Rachel Cruze Show
Ramsey Network
4.8 • 3.6K Ratings
🗓️ 27 October 2025
⏱️ 10 minutes
🧾️ Download transcript
Summary
Transcript
Click on a timestamp to play from that location
| 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 |
... |
Please login to see the full transcript.
Disclaimer: The podcast and artwork embedded on this page are from Ramsey Network, and are the property of its owner and not affiliated with or endorsed by Tapesearch.
Generated transcripts are the property of Ramsey Network and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.
Copyright © Tapesearch 2026.

