Rachel was born the year her parents, Dave and Sharon Ramsey, lost everything and filed for bankruptcy. She grew up watching the sacrifices they made, and she learned early how to save for the future, spend wisely, avoid debt, and give generously.
Rachel grew up hearing people tell her dad, “I wish I’d heard this message years ago.” That fueled her desire to reach people and share the hard lessons her parents learned. It became her passion. It’s why she spoke to audiences as large as 12,000 at the age of 15, and why she travels the country today encouraging audiences ranging from universities and nonprofits to corporations and associations.
Rachel has appeared on Good Morning America, The Today Show, The Meredith Vieira Show, Katie, and Fox & Friends. She’s also contributed to magazines like Woman’s Day and is a featured speaker at events like Smart Conference and The Legacy Journey LIVE! Her video blog launched in 2014 with the goal of making money fun, and it has become wildly popular. Her first book, a collaboration with her dad called Smart Money Smart Kids, is a number-one New York Times best-seller. In other words, the message is resonating!
Rachel is a graduate of the University of Tennessee. She lives in Franklin, Tennessee, with her husband Winston and their yellow lab, Nala.
In Smart Money Smart Kids, financial expert and best-selling author Dave Ramsey and his daughter Rachel Cruze equip parents to teach their children how to win with money. Starting with the basics like working, spending, saving, and giving then moving into more challenging issues like avoiding debt, paying cash for college, and battling discontentment, Dave and Rachel present a no-nonsense, common-sense approach to changing your family tree.