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The Rachel Cruze Show

Toxic Money Lies That Are Keeping You Broke

The Rachel Cruze Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.83.6K Ratings

🗓️ 7 July 2025

⏱️ 11 minutes

🧾️ Download transcript

Summary

💵 The simplest way to budget. Download the EveryDollar app for free! Have you started to believe the lie that you’re just “bad with money”? In this episode, I’ll debunk five toxic money lies that may be keeping you stuck so you can start winning financially. Next Steps: 🎥 Watch my video The Worst Ways to Pay Off Your Debt. 📈 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. 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

Hey, listen, it can be tough to build wealth in 2025, but don't let that frustration

0:10.4

put you out of the driver's seat and sitting in the passenger seat and just be like,

0:14.6

whatever happens happens.

0:15.6

No, you can actually direct where you and your money go in the future.

0:19.9

So if you want to know what I mean

0:21.6

by all of this, keep watching because today we're going to talk about five of the most toxic

0:26.5

and unhelpful lies that people believe when it comes to their financial situation. So let me know

0:31.9

in the comments which ones really hit home for you and make sure to like, subscribe,

0:35.7

and share this video with a friend.

0:39.6

All right, lie number one, you ready?

0:42.5

Is my situation will never change.

0:48.2

So sometimes if you are in a place in life where there doesn't feel like there's a lot of hope and it's like, oh my gosh, maybe it's a dead end job you feel like you're in, maybe you feel like

0:52.8

financially you just haven't made any

0:54.9

headwinds like in the last like few years and you're just like sitting there thinking,

1:00.0

this is how my life is going to be. I just want to encourage you over time life is going to change

1:06.3

and in a good way, right? So you have the ability to make decisions in your life. And so things like a job,

1:12.4

for instance, maybe you stay in a job for a while and you do great and you keep getting promoted

1:16.2

and you keep getting raises and your income slowly does go up over time. And so maybe that's a

1:21.7

beautiful thing. Or maybe you end up quitting the job that you're like, oh my gosh, I'm just so

1:25.2

miserable here. And you go find something that you're

1:27.5

actually really passionate about doing. Normally, you will earn more money doing that thing

1:31.5

that you're excited about. And so there's something about the income that does move over time.

...

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