as Dave Ramsey’s daughter, it’s safe to say I learned how to handle money at a young age—how to give generously, save, and steer clear of debt. I learned a lot from my parents as they recovered from bankruptcy and started my dad’s business, Ramsey Solutions, from the ground up. My dad always made sure my siblings and I knew the importance of working hard to earn money. As I got older, I found out I’m actually a free spirit (as opposed to a budget-loving nerd) with a pretty strong tendency toward spending.

But once I got the hang of budgeting and telling my money where to go, I saw firsthand that a budget didn’t limit my freedom. It actually gave me freedom! And I became super passionate about helping others experience that same freedom.

I got a Bachelor of Arts in communication from the University of Tennessee (go Vols!), married my amazing husband, Winston, and from there I joined the team at Ramsey Solutions. I also had my three precious and crazy kids, Amelia, Caroline and Charles, who I love more than anything.

and certified financial coach, I travel all over the country speaking and sharing practical guidance on getting out of debt, building wealth and more. I’m a big believer in exposing the toxic culture’s lies that people believe when it comes to their finances and giving people a clear plan they can put into action—because money doesn’t have to be stressful or confusing.

A big part of this mission also includes writing books, hosting The Rachel Cruze Show on YouTube and podcast, co-hosting Smart Money Happy Hour with my friend George Kamel, and co-hosting The Ramsey Show (often with my dad!).

my favorite part about my job is that I have the privilege of showing people they can find hope, financial peace and true contentment—and I’m here to walk with you too!