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Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

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In Love Your Life, Not Theirs, Rachel Cruze shines a spotlight on the most damaging money habit we have: comparing ourselves to others. Then she unpacks seven essential money habits for living the life we really want—a life in line with our values, where we can afford the things we want to buy without being buried under debt, stress, and worry. The Joneses are broke.  Life l In Love Your Life, Not Theirs, Rachel Cruze shines a spotlight on the most damaging money habit we have: comparing ourselves to others. Then she unpacks seven essential money habits for living the life we really want—a life in line with our values, where we can afford the things we want to buy without being buried under debt, stress, and worry. The Joneses are broke.  Life looks good, but hidden beneath that glossy exterior are credit card bills, student loans, car payments, and an out-of-control mortgage. Their money situation is a mess, and they’re trying to live a life they simply can't afford. So why exactly do we try so hard to keep up with the Joneses? Are we really living the lives we want, or are we chasing someone else’s dream, just trying to keep up appearances on social media, at church, and in our community? Why are we letting other people set the pace for our own family’s finances? In Love Your Life, Not Theirs, Rachel shows you how to buy and do the things that are important to you—the right way. That starts by choosing to quit the comparisons, reframing the way you think about money, and developing new habits like avoiding debt, living on a plan, watching your spending, saving for the future, having healthy conversations about money, and giving. These habits work, and Rachel is living proof. Now, she wants to empower you to live the life you’ve always dreamed of without creating the debt, stress, and worry that are all too often part of the deal.  Social media isn’t real life, and trying to keep up with the Joneses will never get you anywhere. It’s time to live—and love—your life, not theirs.


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In Love Your Life, Not Theirs, Rachel Cruze shines a spotlight on the most damaging money habit we have: comparing ourselves to others. Then she unpacks seven essential money habits for living the life we really want—a life in line with our values, where we can afford the things we want to buy without being buried under debt, stress, and worry. The Joneses are broke.  Life l In Love Your Life, Not Theirs, Rachel Cruze shines a spotlight on the most damaging money habit we have: comparing ourselves to others. Then she unpacks seven essential money habits for living the life we really want—a life in line with our values, where we can afford the things we want to buy without being buried under debt, stress, and worry. The Joneses are broke.  Life looks good, but hidden beneath that glossy exterior are credit card bills, student loans, car payments, and an out-of-control mortgage. Their money situation is a mess, and they’re trying to live a life they simply can't afford. So why exactly do we try so hard to keep up with the Joneses? Are we really living the lives we want, or are we chasing someone else’s dream, just trying to keep up appearances on social media, at church, and in our community? Why are we letting other people set the pace for our own family’s finances? In Love Your Life, Not Theirs, Rachel shows you how to buy and do the things that are important to you—the right way. That starts by choosing to quit the comparisons, reframing the way you think about money, and developing new habits like avoiding debt, living on a plan, watching your spending, saving for the future, having healthy conversations about money, and giving. These habits work, and Rachel is living proof. Now, she wants to empower you to live the life you’ve always dreamed of without creating the debt, stress, and worry that are all too often part of the deal.  Social media isn’t real life, and trying to keep up with the Joneses will never get you anywhere. It’s time to live—and love—your life, not theirs.

30 review for Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

  1. 5 out of 5

    Monika María

    This was a quick read and kept me captivated. However, my critique is that I went into this book expecting there to be more on the subject of comparison, and "living your life, not theirs," and I feel as though the majority of this book reiterated Dave Ramsey's baby steps in Rachel's words. I'm a listener of the Dave Ramsey Show, have read the Total Money Makeover, & Retire Inspired, so I'm very familiar with living the baby steps, so that's why I say that it was a good reminder, but part of me This was a quick read and kept me captivated. However, my critique is that I went into this book expecting there to be more on the subject of comparison, and "living your life, not theirs," and I feel as though the majority of this book reiterated Dave Ramsey's baby steps in Rachel's words. I'm a listener of the Dave Ramsey Show, have read the Total Money Makeover, & Retire Inspired, so I'm very familiar with living the baby steps, so that's why I say that it was a good reminder, but part of me was expecting to get some new nuggets of knowledge out of this book. Nevertheless, the baby steps are a philosophy that I live by, so it was a good reminder to stay focused on my path.

  2. 4 out of 5

    Laura

    **Warning: Don't spend money on this book if you have already read any of the Money Makeover books by Dave Ramsey** Cruze has taken the 7 baby steps, and given them a spin for the younger (20-35ish) generation with her book Love You Life, Not Theirs . Unfortunately, apart from the first few chapters, she doesn't have much new information to add. I really liked the first chapter though, enough to elevate the book to above average. Rachel talks about the comparison or "keeping up with the Jones's" **Warning: Don't spend money on this book if you have already read any of the Money Makeover books by Dave Ramsey** Cruze has taken the 7 baby steps, and given them a spin for the younger (20-35ish) generation with her book Love You Life, Not Theirs . Unfortunately, apart from the first few chapters, she doesn't have much new information to add. I really liked the first chapter though, enough to elevate the book to above average. Rachel talks about the comparison or "keeping up with the Jones's" game, and how social media has taken it to a whole new level. Birthday parties, vacations, yards, holidays, and even weekends are easy to compare with our friends'. She talks about the "highlight reel", and how we are comparing our day to day mundane life with the highlights our friends pick to share. Comparisons like that are bound to disappoint. She gives a needed reminder to focus inward...on *our own* goals, needs, and circumstances. I also liked her comparison between blessed and #blessed. When people talk about #blessed, they are sometimes making a thinly veiled boast, and usually it has to do with spending money. The truth is, many of our blessings have nothing to do with money--spending time outside, hanging out with friends or the people we love, our health, peace of mind (OK, that might have a bit to do with money)--but you get the idea. I would have liked to see her get more into de-cluttering, but she talked about the concept enough to make me want to check out more minimalist type books. I do have a few problems though (and they are similar to the problems I have with Dave Ramsey). First, there is branding in the book, and some name dropping. It's a small pet peeve, but worth mentioning. Secondly, like her father, Cruze views credit cards as completely evil. She suggests letting your credit score fade away. While I am the first to agree that debt is crippling many Americans, responsible credit card use is not something to preach against. I don't understand her stance that shoppers will feel a "emotional cost" to using a debit card, but not a credit card. When I buy something it's coming out of my budget, no matter what piece of plastic I slide. I'll be transferring money to cover the store card or cash back card when I get home. I can understand advising people who have a hard time sticking to a budget to use cash. It's concrete, and you can only spend what you have. Embracing debit cards but not credit cards just feels silly...especially when getting into car rentals, hotels, and other places where holds are placed on debit cards. Also, I am by no means a financial expert, but letting one's credit score slip away (at least as a working class/typical middle class American) feels inadvisable. Finally, understand that this book is helpful to young adults who are wasting their disposable income, and need to get on a budget so they can save for upcoming milestones in life. There is some fantastic advice for those in that demographic. Not so much for those who are struggling to make ends meet, work over time, and haven't had the extra money to go out to eat in 6 months. If this sounds like you, don't read this book. You'll just get frustrated when she berates herself for spending "an extra $200" above what she budgeted on a shopping spree, or advises "not going out to eat for a month or two to get your emergency fund in place". There are some great facebook support groups for those of you who are truly struggling, as well as blogs. Bottom line: Don't spend more than you make, save at least some money every month, and above all, don't spend so much time window watching other people's lives that you forget to live yours!

  3. 5 out of 5

    Crystal

    I am a huge Dave Ramsey fan. I think I have read all of his books. I was worried that this book would contain much of the same and nothing new. I was wrong! I'll admit--when I first picked up the book, I started reading with the attitude of what can this sweet woman in her late twenties teach me, someone ten years older than her, about life. Well, after reading the book, a lot! Although there is a age difference between the author and myself, we are both new moms, both committed to living a debt I am a huge Dave Ramsey fan. I think I have read all of his books. I was worried that this book would contain much of the same and nothing new. I was wrong! I'll admit--when I first picked up the book, I started reading with the attitude of what can this sweet woman in her late twenties teach me, someone ten years older than her, about life. Well, after reading the book, a lot! Although there is a age difference between the author and myself, we are both new moms, both committed to living a debt free life, and both love our jobs. These common elements made me connect to the book and the author. Three things that really impacted me: 1. The keeping up with the Jones' has gone to a completely new level with social media. In reading the book, I realize that as a newlywed, my husband and I didn't have social media showing us how perfect our life should be. After reading the book, I realized I fall into the trap of comparing our life to the filtered lives of our friends on social media. After reading the book, I am challenging myself to be content with my perfect-to-me life. 2. Cruze talks about finding time for herself in the mornings before her daughter wakes up. I started waking up earlier after reading the book and taking time for myself. I am amazed at how this time (sometimes only 10 minutes) changes my outlook for the day. And how it helps me stay focused on the truly important things in life. 3. A budget is not restrictive! We are committed to being debt free and have created a monthly budget for years. However, I have always viewed it as restrictive and a burden. Rachel tells several stories about budgeting and how a budget gives you permission to spend. After reading this part of the book twice, I changed my outlook and it has made a huge difference! This small change in my attitude makes budgeting fun (well as fun as budgeting can be). This book is now my go to book to give to college graduates and newlyweds. I highly recommend it to young people starting out, but also to those of us that think we have read all of the Dave Ramsey books and have nothing new to learn!

  4. 5 out of 5

    Katelyn

    Words can't express how much I hated this book. It was painful to finish. There's one good paragraph about not comparing your life to others, the other 225 pages are just a regurgitation of her dads steps and views. Which are great to some, but I didn't expect to just find her dads steps as a way to love your life. Her most relatable trait to the common man/woman is her love of guac, beyond that it's hard to relate to her inability to have fancy furniture or the latest and greatest at j crew or Words can't express how much I hated this book. It was painful to finish. There's one good paragraph about not comparing your life to others, the other 225 pages are just a regurgitation of her dads steps and views. Which are great to some, but I didn't expect to just find her dads steps as a way to love your life. Her most relatable trait to the common man/woman is her love of guac, beyond that it's hard to relate to her inability to have fancy furniture or the latest and greatest at j crew or Williams Sonoma. Pretty sure she wrote this book for the cash, as it had nothing new to add to the world that her dad hasn't said.

  5. 5 out of 5

    Adrian Selmon

    Following in her father's footsteps, Rachel has taken the lead in this new book. In this book, you will find a mixture of Dave's tenacious money smart advice mixed with Rachel's winsome personality. This is a must read for any millennial looking to win with money. Following in her father's footsteps, Rachel has taken the lead in this new book. In this book, you will find a mixture of Dave's tenacious money smart advice mixed with Rachel's winsome personality. This is a must read for any millennial looking to win with money.

  6. 5 out of 5

    Sarah

    Though I appreciated the solid financial advice given in Rachel's new book, if you are a Ramsey follower there really isn't much new information here - at all. I did love the first chapter on quitting the comparisons, but wish she would have focused on that topic and flushed it out a bit more. Other than that I enjoyed the book, especially Rachel's personal anecdotes and would recommend it to anyone looking for an easy read and motivation to start taking charge of their money habits. If you want Though I appreciated the solid financial advice given in Rachel's new book, if you are a Ramsey follower there really isn't much new information here - at all. I did love the first chapter on quitting the comparisons, but wish she would have focused on that topic and flushed it out a bit more. Other than that I enjoyed the book, especially Rachel's personal anecdotes and would recommend it to anyone looking for an easy read and motivation to start taking charge of their money habits. If you want a 'how-to' of the financial advice in this book I would check out Dave Ramsey's "Total Money Makeover".

  7. 4 out of 5

    Melissa

    Good book. Majority of the information I already knew but I did enjoy the part about contentment and focusing on all we already have in life. That was a good reminder I needed right now.

  8. 4 out of 5

    Molly

    This is a low 4-star rating from me. I really adore the majority of Dave Ramsey's teachings, so I thought I would enjoy hearing more about them from Rachel (Dave's daughter). I think Rachel is a better writer than Dave, by far. This book is essentially his teachings in her words, BUT I was totally expecting that. The reminder to not compare yourself to others was something I needed at this time in my life. I didn't get super excited about "blessed" vs. "#blessed" like other reviewers. #blessed h This is a low 4-star rating from me. I really adore the majority of Dave Ramsey's teachings, so I thought I would enjoy hearing more about them from Rachel (Dave's daughter). I think Rachel is a better writer than Dave, by far. This book is essentially his teachings in her words, BUT I was totally expecting that. The reminder to not compare yourself to others was something I needed at this time in my life. I didn't get super excited about "blessed" vs. "#blessed" like other reviewers. #blessed has always been, and will always be, a fun joke for me. You can't take everything so serious. Rachel did mildly annoy me though because she reminded me of a lot of my upper middle-class friends...who struggle over which bachelorette party destination to go to or which equally expensive top to buy, rather than bigger, stressful questions (such as how will we afford X this month because we have to do pricey, mandatory car maintenance). I do think this book was written more for the middle to upper-class reader. If you are really in a financially stressful situation, I would NOT recommend this book. I would, however, recommend this to friends who want financial help on their own time. Rachel comes off less preachy than Dave, but it doesn't feel like she has lived through the struggles of financial uncertainty (even though she really has in some regards). I like Dave because he was in the gutter and got out. Rachel kind of watched him on the side of the gutter as he bought the local neighborhood. I don't fault her, but just a warning, she has a different tone than he does which may or may not be your thing. Reading this perspective is a good reminder that I want to read another "rags-to-riches" non-fiction book soon since her perspective is more of a "middle-class to riches" perspective. I did enjoy this book overall. She made me think about a few things I hadn't thought much about before so I am happy to say that I have read this. It was also a good reminder that financial peace and security is really all about your choices. In some situations, it may be the cards you are dealt, but overwhelmingly, it's all about the choices you decide to make.

  9. 5 out of 5

    Ginny

    Cruze is all about getting away from comparison. The chapter about being "#blessed" was the best thing I've read in a long time. Freeing one's mind from the dangerous game of comparison, especially in terms of money, was the biggest benefit I got out of reading this book. But, I have some serious issues with this book...hence my 3-star review. This book is definitely written for middle- to upper-middle class people and Cruze assumes that you have a solid and steady income. She offers some advice Cruze is all about getting away from comparison. The chapter about being "#blessed" was the best thing I've read in a long time. Freeing one's mind from the dangerous game of comparison, especially in terms of money, was the biggest benefit I got out of reading this book. But, I have some serious issues with this book...hence my 3-star review. This book is definitely written for middle- to upper-middle class people and Cruze assumes that you have a solid and steady income. She offers some advice for getting out of debt, but not as much as I would like. It seems like the book is written for a younger population (those with student loans, people who are about to purchase their first car or first home, etc.) but she's not very forgiving of those who are already in debt. "Don't take out loans" doesn't mean much if you've already taken one out. The debt snowball is a great idea, but it's not realistic for a lot of new college graduates. I would have liked more practical advice for people who haven't been as privileged in their childhood or who come from more diverse socioeconomic environments.

  10. 4 out of 5

    David Alonso

    Rachel Cruze did a really great job of inspiring me and my fiancé to really see the personal finance world for what it unfortunately is today: too much of a reliance on the credit industry (credit cards, personal loans, etc) and prioritizing on purchases that just aren't essential. Although I think the book echoes and compliments her father's (Dave Ramsey) book, "The Total Money Makeover", REALLY well, her book inspired us a bit more than Dave Ramsey, whose book is filled with stories of people Rachel Cruze did a really great job of inspiring me and my fiancé to really see the personal finance world for what it unfortunately is today: too much of a reliance on the credit industry (credit cards, personal loans, etc) and prioritizing on purchases that just aren't essential. Although I think the book echoes and compliments her father's (Dave Ramsey) book, "The Total Money Makeover", REALLY well, her book inspired us a bit more than Dave Ramsey, whose book is filled with stories of people who were stuck in massive credit card debt. "Love Your Life, Not Theirs" reaches out to a larger demographic more effectively I believe. Collectively, both books have motivated me to really tackle student loan debt which society has erroneously deemed it to be "good debt". Highly recommended to anyone who wants to be more disciplined and dedicated to their personal finances!

  11. 5 out of 5

    Nila

    Among the best debt-cash only books because it really breaks finance down to something every single person the in world can do. The entire book is basically taking the 7 steps laid out in her father, Dave Ramseys book The Total Money Makeover. She explains it a little more in detail and in a slightly different tone. Recommend it for all readers who would like to be completely debt free, it works myself and some people from my church have taken her fathers class and read both books!!

  12. 4 out of 5

    Stephanie

    I really enjoyed this book, which surprised me since I'm not a Dave Ramsey fan. Cruze is his daughter, and I thought it would be more of the same; however, she's a breath of fresh air. She definitely talks about money management, but the book is so much bigger than that. She's far less sales-y and aggressive than her father, and I really appreciated her honest about jealousy and the effect social media has on our ideas of what is normal. She certainly embraces her father's financial ideas, but he I really enjoyed this book, which surprised me since I'm not a Dave Ramsey fan. Cruze is his daughter, and I thought it would be more of the same; however, she's a breath of fresh air. She definitely talks about money management, but the book is so much bigger than that. She's far less sales-y and aggressive than her father, and I really appreciated her honest about jealousy and the effect social media has on our ideas of what is normal. She certainly embraces her father's financial ideas, but her fresh take on them brings new life to a sometimes inflexible plan for "financial freedom." I know people either love or hate Ramsey, but Cruze managed to bridge the gap for me. I find Ramsey offputting, but I found Cruze refreshing and honest. She talks a lot about her own struggles with satisfaction, jealousy, and wanting to live out what she sees on social media. There isn't much new in this book, and anyone who has either read or is familiar with Ramsey will recognize his ideas. What is new is her ability to empathize and relate to her reader. Cruze is definitely more relatable for the younger generation. While I don't particularly need the money tips, I appreciated her take on personal satisfaction and living in the present rather than through social media. For that alone this book is worth the read.

  13. 4 out of 5

    Jessica Hammond

    "We are spending money we may or may not have just to keep up with a life we think we are missing out on"-Rachel Cruze Rachel hits the nail on the head with her book Love Your Life, Not Theirs. She provides advice that is so relatable in today's society while also being witty, funny, and non-judgemental. She talks about why comparisons are killing us financially and even talks about her struggles with the 'keeping up with the joneses' comparison game that we all struggle with, all the while reinf "We are spending money we may or may not have just to keep up with a life we think we are missing out on"-Rachel Cruze Rachel hits the nail on the head with her book Love Your Life, Not Theirs. She provides advice that is so relatable in today's society while also being witty, funny, and non-judgemental. She talks about why comparisons are killing us financially and even talks about her struggles with the 'keeping up with the joneses' comparison game that we all struggle with, all the while reinforcing Dave Ramsey's baby steps throughout the book. Not only did I love reading this book but I found this book exceptionally helpful for how to tackle the comparison game in my own life all the while sticking to my goals and paying off my consumer debt.

  14. 5 out of 5

    Ira McCoy

    The book "Love Your Life, Not Theirs" by Rachel Cruze, was in my opinion a phenomenal book to read. In this book Rachel goes over some of the experiences in her life to show how to better spend and manage money. My favorite character in the book is probably Rachel. My favorite part however is when Rachel and her Husband Winston decide to go on a vacation and he lets her spend however much money she wants, only to find out that through spending habits she refuses to spend money anyway. My favorit The book "Love Your Life, Not Theirs" by Rachel Cruze, was in my opinion a phenomenal book to read. In this book Rachel goes over some of the experiences in her life to show how to better spend and manage money. My favorite character in the book is probably Rachel. My favorite part however is when Rachel and her Husband Winston decide to go on a vacation and he lets her spend however much money she wants, only to find out that through spending habits she refuses to spend money anyway. My favorite quote and take away from the story is when she use the term "Keeping up with the Joneses". That quote is significant because we all struggle with that and thats what I think makes this book so interesting to read.

  15. 5 out of 5

    Sheri

    3.5 stars - I didn't learn much but I agree with all seven of Rachel's money habits: 1) Quit the comparisons 2) Steer clear of debt 3) Make a plan for your money 4) Talk about money (even when it's hard) 5) Save like you mean it 6) Think before you spend 7) Give a little...Until you can give a lot. It was a quick and easy read but nothing too interesting. I think the first habit is most important - quit the comparisons. This is how we get into trouble with our money and easy to do with social med 3.5 stars - I didn't learn much but I agree with all seven of Rachel's money habits: 1) Quit the comparisons 2) Steer clear of debt 3) Make a plan for your money 4) Talk about money (even when it's hard) 5) Save like you mean it 6) Think before you spend 7) Give a little...Until you can give a lot. It was a quick and easy read but nothing too interesting. I think the first habit is most important - quit the comparisons. This is how we get into trouble with our money and easy to do with social media these days.

  16. 5 out of 5

    Danette

    Nothing earth-shattering here but great reminders to live your own life and not the life you 'think' others are living. The chapter on marriage and money is important. Becoming 'one flesh' in every part of life is critical to a good marriage relationship. A book about money or finance. Nothing earth-shattering here but great reminders to live your own life and not the life you 'think' others are living. The chapter on marriage and money is important. Becoming 'one flesh' in every part of life is critical to a good marriage relationship. A book about money or finance.

  17. 4 out of 5

    Alissa

    A fresh perspective on Dave's money principles. I appreciated her outlook and tips for living in this age of social media. A fresh perspective on Dave's money principles. I appreciated her outlook and tips for living in this age of social media.

  18. 4 out of 5

    Erin **Coffee and Book Addict**

    I loved this book.

  19. 4 out of 5

    Lisa Lou

    4.5 Stars

  20. 5 out of 5

    Rosemary Fitzgerald

    From this first page, I could really relate to this book. So many of the struggles and concerns I've had were addressed on a personal and biblical level. "Contentment isn't a place you get to financially; it's a place you get to emotionally and spiritually. It's a peace in your spirit that knows what you have, no matter how much or how little, is enough. Contentment is the inner determination to be happy and fulfilled wherever you are with whatever you have. The apostle Paul put it like this: 'I From this first page, I could really relate to this book. So many of the struggles and concerns I've had were addressed on a personal and biblical level. "Contentment isn't a place you get to financially; it's a place you get to emotionally and spiritually. It's a peace in your spirit that knows what you have, no matter how much or how little, is enough. Contentment is the inner determination to be happy and fulfilled wherever you are with whatever you have. The apostle Paul put it like this: 'I have learned to be content whatever the circumstances' (Philippians 4:11)." It is very easy to struggle with contentment when we are inundated with carefully designed ads for the newest products on the market. Rachel Cruze does a fantastic job reminding us that "contentment allows you to be in a state of joy and satisfaction." Social media allows us to superficially enter into other's lives, often only seeing the part of their life that can lead us to jealousy and discontentment. "Debt confuses the make-believe world of what we want or think we deserve with the truth about what we can actually afford. And when we blur the lines between reality and fantasy, we're in dangerous territory." My husband and I never thought we were "that bad off," until we started the Dave Ramsey plan and wrote everything out. Rachel Cruze (Dave's daughter) uses a lot of the same concepts and teachings that her father does, but from her own perspective and with examples from her own life. In her book, Rachel shows that she really wants to walk this financial journey with you. And this one really hit home with me. My husband and I had credit card debt for our entire marriage, until we finally cut up the cards and paid the last of it off a few months ago. "Using credit cards is like living your life through a rearview mirror. A huge chunk of your paycheck covers food you have already eaten, movies you have already seen, and clothes you have already bought. You are living your financial life in the past instead of telling your money where to go for the future." Rachel Cruze is very honest in her book as she examines her own struggles and weaknesses. This is a great book for all ages, married or single, if you are looking for the encouragement and guidance to get out of or stay out of debt. (Please note that I preordered this book and received a digital copy early to write an honest review.)

  21. 4 out of 5

    Diana Sung

    Cruze's writing is clear, down-to-earth, and thought-provoking. This book is what the Ramsey brand needed--a call for a newer generation to live within their values, delay gratification, and avoid debt. The first habit--stop the comparisons--is so important! While I don't believe in eschewing debt quite as vehemently as Cruze does (we will still be using credit cards to pay for our day-to-day expenses for the forseeable future and won't be so terribly horrified if one or both of our children need Cruze's writing is clear, down-to-earth, and thought-provoking. This book is what the Ramsey brand needed--a call for a newer generation to live within their values, delay gratification, and avoid debt. The first habit--stop the comparisons--is so important! While I don't believe in eschewing debt quite as vehemently as Cruze does (we will still be using credit cards to pay for our day-to-day expenses for the forseeable future and won't be so terribly horrified if one or both of our children need to take out student loans to pay for part of their education), she does challenge the kind of thinking that supports a consumerist-oriented, toxic-debt environment of middle class Americans. Her final habit description about giving made me do a hard look at our charitable giving and make an intention to increase that area of spending. I appreciate what Dave Ramsey does, but I haven't always loved some of his my-way-or-the-highway approach to finances. While Cruze is his daughter and representing the brand, so her advice doesn't conflict with the core tenets of Ramsey finance prescription, her great descriptions of how to budget with your partner and reassuring cheerleading to persevere through initial failures is useful. Highly readable, useful information, lots of thinking material. I can't wait to read her co-written work with Ramsey.

  22. 4 out of 5

    Adrian Eason

    WOW! Rachel hits the nail on the head here. My husband and I took Financial Peace University at our church and LOVE her dad, Dave Ramsey, but this book put everything into an easier perspective for younger crowds to understand. I am 23 and expecting my first child with my husband so it was extremely eye opening to know that we are not the only ones who struggle with comparison living, especially with this upcoming parenting adventure. I felt like I was at lunch with Rachel the whole time having WOW! Rachel hits the nail on the head here. My husband and I took Financial Peace University at our church and LOVE her dad, Dave Ramsey, but this book put everything into an easier perspective for younger crowds to understand. I am 23 and expecting my first child with my husband so it was extremely eye opening to know that we are not the only ones who struggle with comparison living, especially with this upcoming parenting adventure. I felt like I was at lunch with Rachel the whole time having a conversation about life and money! I relate to her on so many levels and this was a very refreshing read to help keep me on track with finances. I am slowly but surely learning to say "no" now so that I can say "YES" later! It is great to hear of the success stories that come out of the principles that Ramsey Solutions teaches and we are excited to have our own story one day once our debt is paid off and we can provide for our child in ways that we would have never dreamed! Thank you SO MUCH for writing this book, Rachel! It is a game changer!

  23. 5 out of 5

    Tina

    I love Rachel--she seems so sweet, down to earth and just...you know, relatable. I initially picked the book up, because I really wanted to hear somebody my age talk about the subject of money, life comparison and the whole keeping up with the Joneses issue. As a whole, the book is pretty much what Dave Ramsey says, but this time you hear it from Rachel, who very successfully gets her point across, and I believe a lot of people will be able to relate to her more than her father. The reason for my I love Rachel--she seems so sweet, down to earth and just...you know, relatable. I initially picked the book up, because I really wanted to hear somebody my age talk about the subject of money, life comparison and the whole keeping up with the Joneses issue. As a whole, the book is pretty much what Dave Ramsey says, but this time you hear it from Rachel, who very successfully gets her point across, and I believe a lot of people will be able to relate to her more than her father. The reason for my lower rating is that I really felt like the book is lacking the main point and reason one to start reading it--strategies and practices on how to cope with comparison. If you're already familiar with Dave Ramsey and what he preaches, this book will be a bit repetitive and you may find it simply retelling The Total Money Makeover, but as a whole the book is okay--it's a very quick read, it definitely gives great insight as to how to handle your money and, if you are a Rachel Cruze fan, you can literally imagine her excitedly talking to you over coffee.

  24. 4 out of 5

    Mirna Chamorro

    I loved the book. It was easy to read and I enjoyed every minute of it. Rachel brings practical money tips to everyday life. Many times it seems overwhelming to do a budget and take control of your money, but this book simplifies the concepts and everyone should read it, especially those in college or preparing to get married. The early these concepts are learned the better we can live the life we want. It has motivated me to continue towards the path of being debt free. I also love how Rachel i I loved the book. It was easy to read and I enjoyed every minute of it. Rachel brings practical money tips to everyday life. Many times it seems overwhelming to do a budget and take control of your money, but this book simplifies the concepts and everyone should read it, especially those in college or preparing to get married. The early these concepts are learned the better we can live the life we want. It has motivated me to continue towards the path of being debt free. I also love how Rachel incorporates important bible verses showing money management is a biblical principal. I love the life I live and will continue to love it even more. No need to compare, I am thankful and want to give freely, I hope to be an inspiration to others through my lifestyle so they will want to be as happy as I am as well.

  25. 4 out of 5

    Leonardo Etcheto

    Very well done, gives the basic Ramsey philosophy but from a different angle. Big emphasis on making sure you set your goals based on your dreams, not what society or your neighbors value. Can't live someone else's life. Budgeting as a habit you need to develop and work on. Good explanation. The budget meeting is a good chance to deal with the issues confronting your family and let you work as a team. Had not read anything on "financial infidelity" before. Made me think a little about what work Very well done, gives the basic Ramsey philosophy but from a different angle. Big emphasis on making sure you set your goals based on your dreams, not what society or your neighbors value. Can't live someone else's life. Budgeting as a habit you need to develop and work on. Good explanation. The budget meeting is a good chance to deal with the issues confronting your family and let you work as a team. Had not read anything on "financial infidelity" before. Made me think a little about what works the best. Her emphasis on having a joint account with all transactions visible to both partners is solid advice. I liked the writing style, conversational and with lots of stories to get the point across. Know yourself and act accordingly. Keeps me motivated to continue down our debt free path!

  26. 4 out of 5

    Jennifer

    A must read for anyone who is passionate about financial stability. I can't say that I completely agree or follow every tenet, but my husband and I are firm believers in these ideas to get to a place to be living the best life. A must read for anyone who is passionate about financial stability. I can't say that I completely agree or follow every tenet, but my husband and I are firm believers in these ideas to get to a place to be living the best life.

  27. 5 out of 5

    Natalie

    This is basically all of Dave Ramsey's teachings in a more conversational tone that is geared toward 15 to 30 year olds. Recommended for college age students or young married people. This is basically all of Dave Ramsey's teachings in a more conversational tone that is geared toward 15 to 30 year olds. Recommended for college age students or young married people.

  28. 5 out of 5

    Abigail

    Love this book! The title says it all.

  29. 5 out of 5

    Mary Jane

    Really puts things into perspective regarding money. Examples she gives will make you realize "oh crap that's me". Wonderful book and so refreshing to read about what I can do to change my lifestyle. Really puts things into perspective regarding money. Examples she gives will make you realize "oh crap that's me". Wonderful book and so refreshing to read about what I can do to change my lifestyle.

  30. 4 out of 5

    Angel Cyr

    Great, practical financial advice & reminds you not to compare what is displayed on social media but to focus on building an amazing life!

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