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The Rachel Cruze Show

We Asked 1000 People About Their Money (I Was Shocked!)

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 9 February 2026

⏱️ 10 minutes

🧾️ Download transcript

Summary

📈Are you on track with the Baby Steps? Get a free personalized plan.   We asked 1,000 people about their money, and the results honestly shocked me! In this episode, I break down the data and share three simple ways to make sure stress and a negative net worth don’t become your normal. Next Steps:  🎥 Watch my video How Do You Compare Financially to the Average American? (2026 Edition). 💵 Start your free budget today. Download the EveryDollar app!   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

When you're working on a specific financial goal, it can sometimes feel lonely, but you're never as alone as you think you are.

0:12.0

And I'll prove it to you by sharing some recent data that absolutely fascinated me. I love getting stats because I think it kind of lines up like, hey, what is going

0:21.5

on in the world when it comes to money? Now later, I'm going to share my three top tips

0:25.2

to make sure that you don't become another negative statistic when it comes to your net worth.

0:30.2

So be sure to like, subscribe, and share this episode with a friend. All right, so as of late of

0:35.5

2025, research says that 50% of U.S. adults worry daily about their finances.

0:43.5

So every single day, that someone, half of America is, like, worried of what is going on with

0:49.8

their money, which should clue you into something. And I think some of those fears can be truly to

0:54.9

like the basics of like bills and food and kind of that paycheck to paycheck living and making

1:00.0

sure you have enough to cover your basic necessities. And then sometimes people worry about

1:04.1

the future. You know, they're thinking about, oh my gosh, do I have enough money to retire

1:07.5

or pay for my kids to college. So regardless of what is going on, I think it's really important to have a plan to help kind of mitigate the fear. Because sometimes the fear is real and it's realistic and it's actually happening. We're like, I don't have enough money for X, Y, and Z that I need to have. That will strike fear in you. And yes, that is true. But sometimes we worry about things that are not in our control or worry

1:28.3

about things that are so far in the future that it's like what is causing the stress. So I would say

1:32.8

having a plan and kind of putting some numbers to your situation can mitigate that fear. So if it is a

1:38.3

fear of like I need to be able to pay off this debt because I don't know if I'm going to be able to

1:42.6

afford these bills or I need enough for groceries, right? If it's like that, then you need to be looking at your numbers and knowing how much money is coming in, how much money is going out, where does income need to go up, all of that. And then if it's fears in the future, then again, I do think that there's a level of like, okay, we just don't have the control we think we do. And there's something about letting that go that can also let go of the worry that is unnecessary. But all

2:05.9

that to say, 50% of Americans worry about money. And sometimes it's for good reason and sometimes

2:10.4

we bring it upon ourselves. All right, number two, here's an interesting one. Fifty-six percent of

2:14.8

Americans who bought cars paid in cash and 89% of those people were happy

2:21.7

with their decision. Okay, that's pretty impressive. And I love this because majority of people

2:28.1

that bought cars in cash were like, yes, this is what I want to do. Because what's great is when

2:33.0

you make a transaction, especially a large

...

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