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The Rachel Cruze Show

Why Being Boring is the Best Way to Build Wealth

The Rachel Cruze Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.83.6K Ratings

🗓️ 29 August 2025

⏱️ 9 minutes

🧾️ Download transcript

Summary

💰 Find out how much your money could grow over time with the Investment Calculator.  In this episode, find out how to build enough wealth to retire at 55 and live your best life. (Spoiler alert: It’s pretty boring, but it works every time.)   Next Steps: 🎥 Watch my video How to Invest the Right Way in 2025. 💵 The simplest way to budget. Download the EveryDollar app for free! 📈 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

Do you ever just scroll and see a post and immediately think, like, yes, those are my kind of people?

0:10.1

Well, I saw a post the other day, and it just reminded me kind of how boring wealth building can be if you do it the right way.

0:18.3

So if it's boring, you're probably doing something right.

0:22.0

So make sure to like, subscribe, and share this episode with a friend.

0:25.9

All right, so when I was scrolling through, I saw this clip from J.C. Rodriguez,

0:30.3

and he goes and interviews people on the street.

0:32.7

And I saw this like, and I say this with like mad respect, like a very average looking couple.

0:39.6

Like again, nothing was like superhero about them or whatever.

0:44.7

It's just like they were just a regular couple.

0:47.6

They were retired and traveling, but they talked about how they are multimillionaires.

0:52.3

So here's the clip.

0:54.0

How long have you been married for?

0:55.6

34 years. What are some things you do to be frugal?

0:58.4

We're very frugal. That's why we retired at 55 years old.

1:01.6

Did you guys invest into 401k Roth IRA?

1:04.6

Max it out. Max out retirement. If the company matches it, you're silly not to.

1:09.9

How many years have you been investing now?

1:11.7

Since 90. Are you now net worth millionaires? Yep. And that's the point. You don't have to know about investing. Just invest everything you can into the market. Put it into ETFs, exchange-traded funds, because it goes over the whole market. You don't need to know what you're doing. Just do that. So y'all just invested in boring old index funds and...

1:09.8

You got it.

1:10.5

Hey, you know it.

1:11.2

We put our both boys through college and grad school. They have no loans. We paid off our houses, our cars. Retired at 55. Now we travel. So we're just regular people. What kind of cars have you been driving throughout these years? Mostly Toyota's, because they last

1:45.1

forever. Most of them have been like two-year-old cars, not brand new until recently. Oh yeah,

...

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