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The Rachel Cruze Show

Why You Should Spend Like No One Is Watching

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 10 November 2025

⏱️ 7 minutes

🧾️ Download transcript

Summary

📓 Start your 90-day journey to loving your life with my Contentment Journal.   Are your spending habits motivated by impressing people? In this episode, I’m going to walk you through how to get out of the comparison pit so you can live a life you love.   Next Steps: 🎥 Watch my video The Surprising Cost of Today’s Beauty Standards. 📈 Are you on track with the Baby Steps? Get a free personalized plan. 💵 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! Turn to Minno for kids shows you can trust. Use code RACHEL for 47% off.   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

All right, I love the phrase, spend like no one is watching. And I love this because it gets to sometimes

0:12.1

my core motivation when I started asking myself a few years ago of if nobody sees this purchase,

0:18.0

do I still want it? So stick around to find out why it might be a smart

0:21.5

financial move for you to spend like no one is watching. And make sure to like, subscribe,

0:25.8

and share this episode with a friend. So sometimes we realize it, sometimes we don't, of why

0:32.2

we spend money. And comparison is always a cycle that we can get into. This is human nature.

0:37.8

But for most people, on most days, we don't need that mindset, you guys.

0:41.7

So here are three things I want you to try next time you go shopping or you want to buy

0:46.4

something to make sure that you're not subconsciously wasting money on the comparison game.

0:52.4

Number one, ask yourself if you're spending money to impress other people.

0:58.2

Now, most of our knee-jerk reaction is like, no, of course not.

1:00.8

No, no.

1:02.0

But listen, sometimes, you know, it's not always obvious.

1:05.0

And so if you get an immediate endorphin boost, that is very normal.

1:10.1

That happens to us physiologically,

1:12.8

like when we buy and spend the money. But also, after that kind of dies down, it's like, okay,

1:18.6

why am I excited? Am I excited for people to see it? Am I excited because it kind of gives me like

1:24.3

an ego boost to feel like I'm doing really good? You know, whatever the thing is, if you feel like this purchase is going to help you have

1:31.7

less FOMO or not feel left out or feel like you are part of the trend, part of the culture,

1:36.4

all the things, these are all indicators that maybe your motivation is a little bit off.

1:42.7

Now, again, when I say all of that, most people are like,

1:46.2

oh, no, no. But also, most of us are just making decision after decision after decision,

...

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