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賵賴賲 丕賱賲賯丕乇賳丞: 丨賷丕鬲賰 兀噩賲賱 賲賳 丨賷丕鬲賴賲
賷丨鬲賵賷 賴匕丕 丕賱賰鬲丕亘 毓賱賶 7 丿乇丕爻丕鬲 賵兀亘丨丕孬 賲丕賱賷丞 賷賲賰賳 鬲胤亘賷賯賴丕 賮賷 丨賷丕鬲賰 賷賵賲賷丕賸貙 鬲爻丕毓丿賰 毓賱賶 鬲睾賷賷乇 丨賷丕鬲賰 亘丕賱賰丕賲賱 賵鬲亘丿兀 賮賷 丕賱丕賳胤賱丕賮 賳丨賵 丕賱丕爻鬲賯乇丕乇 丕賱賲丕賱賷 賵丕賱丕丨乇乇 賲賳 丕賱賯賷賵丿貙 賵賰匕賱賰 丕賱鬲賵賯賮 毓賳 賲賯丕乇賳丞 賳賮爻賰 亘丕賱丌禺乇賷賳.
賮廿匕丕 賰賳鬲 鬲卮毓乇 兀丨賷丕賳丕賸 兀賳賰 鬲胤丕乇丿 丨賱賲 卮禺氐 丌禺乇!
廿匕丕 賰賳鬲 鬲毓噩夭 毓賳 鬲賯爻賷賲 兀賲賵丕賱賰 亘卮賰賱 賷賲賰賳賰 丕賱毓賷卮 丿賵賳 賯賱賯 賲丕丿賷!
賵廿匕丕 賰賳鬲 鬲毓噩夭 毓賳 丕賱丕丿禺丕乇 賱賱賲爻鬲賯亘賱 兀賵 鬲禺氐賷氐 噩夭亍 賲賳 兀賲賵丕賱賰 賱賱胤賵丕乇卅!
毓賱賷賰 亘賯乇丕亍丞 賴匕丕 丕賱賰鬲丕亘 丕賱匕賷 賷囟毓 賱賰 毓丿丿丕賸 賲賳 丕賱賯賵丕毓丿 丕賱賱丕夭賲 丕鬲亘丕毓賴丕 賱鬲毓賷卮 丕賱丨賷丕丞 丕賱鬲賷 賱胤丕賱賲丕 丨賱賲鬲 亘賴丕 賵鬲鬲賵賯賮 毓賳 鬲賯賱賷丿 丨賷丕丞 丕賱丌禺乇賷賳 兀賵 丕賱賵賯賵毓 賮賷 賮禺 鬲賲賳賷
賮廿匕丕 賰賳鬲 鬲卮毓乇 兀丨賷丕賳丕賸 兀賳賰 鬲胤丕乇丿 丨賱賲 卮禺氐 丌禺乇!
廿匕丕 賰賳鬲 鬲毓噩夭 毓賳 鬲賯爻賷賲 兀賲賵丕賱賰 亘卮賰賱 賷賲賰賳賰 丕賱毓賷卮 丿賵賳 賯賱賯 賲丕丿賷!
賵廿匕丕 賰賳鬲 鬲毓噩夭 毓賳 丕賱丕丿禺丕乇 賱賱賲爻鬲賯亘賱 兀賵 鬲禺氐賷氐 噩夭亍 賲賳 兀賲賵丕賱賰 賱賱胤賵丕乇卅!
毓賱賷賰 亘賯乇丕亍丞 賴匕丕 丕賱賰鬲丕亘 丕賱匕賷 賷囟毓 賱賰 毓丿丿丕賸 賲賳 丕賱賯賵丕毓丿 丕賱賱丕夭賲 丕鬲亘丕毓賴丕 賱鬲毓賷卮 丕賱丨賷丕丞 丕賱鬲賷 賱胤丕賱賲丕 丨賱賲鬲 亘賴丕 賵鬲鬲賵賯賮 毓賳 鬲賯賱賷丿 丨賷丕丞 丕賱丌禺乇賷賳 兀賵 丕賱賵賯賵毓 賮賷 賮禺 鬲賲賳賷
301 pages, Hardcover
First published January 1, 2016
646 people are currently reading
6,275 people want to read
About the author
Rachel Cruze
22听books300听followersAs a #1 New York Times best-selling author and seasoned communicator, Rachel Cruze helps Americans learn the proper ways to handle money and stay out of debt. She鈥檚 authored three best-selling books, including Love Your Life, Not Theirs and Smart Money Smart Kids. The daughter of Dave Ramsey, she joined Ramsey Solutions in 2010 and uses the knowledge and experiences from growing up in the Ramsey household to educate others. You can follow Cruze on Twitter and Instagram at @RachelCruze and online at rachelcruze.com, or .
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Displaying 1 - 30 of 896 reviews
March 1, 2023
Solid advice on managing your money and expectations with my caveat that one size does not fit all. Certainly, the advice will help you live within your means and create good money habits, but I didn't find it realistic in today's world, particularly her views on debt. It is extremely difficult and an absurdly long process to get started, let alone ahead, in life without taking on debt, whether it be for education, housing, or transportation. I can see clearly how much less I would have today if I had not taken the chance on debt to, unfortunately, finance life.
Some of her examples had good fortune behind them, and oftentimes in more than one way. For instance, when she talks about buying a home with 100% down, she gives an example where a couple lives above an elderly woman's garage for free because the husband did her yard work. (Sweet deal!) They lived there for 5 years, while banking his $50,000 salary and living off her teacher's income. After a few years, they paid cash for a home and had money in savings to furnish it and more I suppose. I don't know a single person who has ever gotten such a sweet deal to live for free in exchange for yard work unless it was family giving them the break. And even then, those people are very few and far between. I wasn't so lucky to have family that could afford or desire to provide me such an opportunity. Additionally, when we bought our house neither of us made $50, 000. We needed the bulk of our income just to live, and we were living quite frugally compared to our peers. There just weren't those large sums of money to set aside for a future home purchase. With the all cash option, we would still be saving, more than 10+ years later, to buy an average priced home in our community.
I did appreciate her counsel to not compare yourselves to others who have had more time and income on their side. I do see many young people who want everything their parents have, and they never stop to realize that their parents have 20+ years of financial gain and pain that have gotten them to where they are today.
One thing she doesn't address, but I wish she would have, is the huge disparity in wages. You and I may have the same job at different companies and one of us may make X while the other makes 2x. It is hard not to compare yourself to others and think that you should be where they are and have what they have, yet not realize that their income differs significantly from yours. You always have to be looking out for your own financial situation and seeking to do better for yourself in income, spending, and knowledge.
Rachel Cruze's advice will work for those with mid-range and better incomes, but it is a harder sell for those in the lowest income bracket as things are just not as simple and easy as she makes it out to be. Because of this I was unable to completely agree with the advice and attitudes, although they can be utilized as a move towards better financial habits. 3.5 stars rounded up.
Some of her examples had good fortune behind them, and oftentimes in more than one way. For instance, when she talks about buying a home with 100% down, she gives an example where a couple lives above an elderly woman's garage for free because the husband did her yard work. (Sweet deal!) They lived there for 5 years, while banking his $50,000 salary and living off her teacher's income. After a few years, they paid cash for a home and had money in savings to furnish it and more I suppose. I don't know a single person who has ever gotten such a sweet deal to live for free in exchange for yard work unless it was family giving them the break. And even then, those people are very few and far between. I wasn't so lucky to have family that could afford or desire to provide me such an opportunity. Additionally, when we bought our house neither of us made $50, 000. We needed the bulk of our income just to live, and we were living quite frugally compared to our peers. There just weren't those large sums of money to set aside for a future home purchase. With the all cash option, we would still be saving, more than 10+ years later, to buy an average priced home in our community.
I did appreciate her counsel to not compare yourselves to others who have had more time and income on their side. I do see many young people who want everything their parents have, and they never stop to realize that their parents have 20+ years of financial gain and pain that have gotten them to where they are today.
One thing she doesn't address, but I wish she would have, is the huge disparity in wages. You and I may have the same job at different companies and one of us may make X while the other makes 2x. It is hard not to compare yourself to others and think that you should be where they are and have what they have, yet not realize that their income differs significantly from yours. You always have to be looking out for your own financial situation and seeking to do better for yourself in income, spending, and knowledge.
Rachel Cruze's advice will work for those with mid-range and better incomes, but it is a harder sell for those in the lowest income bracket as things are just not as simple and easy as she makes it out to be. Because of this I was unable to completely agree with the advice and attitudes, although they can be utilized as a move towards better financial habits. 3.5 stars rounded up.
January 14, 2017
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.
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.
October 9, 2018
**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!
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!
October 4, 2016
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!
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!
May 10, 2017
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.
April 9, 2022
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亘賷鬲賰賱賲 毓賱賷 丕賱毓丕丿丕鬲 丕賱賲丕賱賷丞 丕賱睾賷乇 爻賱賷賲丞 賮賷賴 噩夭亍 亘爻賷胤 亘賷鬲賰賱賲 毓賱賷 賲賯丕乇賳丞 丨賷丕鬲賰 賵丕爻賱賵亘賰 賮賷 丕賱氐乇賮 乇亘賲丕 亘鬲兀孬賷乇 丕賱爻賵卮賷丕賱 賲賷丿賷丕 賱賰賳 丕賱亘丕賯賷 賰賱賴 賰賱丕賲 毓賱賷 賵賳氐丕賷丨 賲賮賷丿丞 亘卮賰賱 賲丕 毓賳 丕夭丕賷 鬲鬲毓丕賲賱 賲毓 丕賲賵丕賱賰 亘爻 賲卮賰賱丞 丕賱賰鬲丕亘 丕賳賴 賲賮賷丿 噩丿丕 乇亘賲丕 賱 丕賱兀賲乇賷賰丕賳 賲卮丕賰賱 夭賷 丕賱丿賷賵賳 丕賱噩丕賲毓賷丞 賵丕賱丿賷賵賳 亘賲丕 賷鬲毓賱賯 亘賳馗丕賲 丕賱鬲兀賲賷賳 丕賱氐丨賷 丕賱亘卮毓 賮賷 兀賲乇賷賰丕 賷毓賳賷 賲卮丕賰賱 亘毓賷丿丞 毓賳 丕賱賵胤賳 丕賱毓乇亘賷
賷賲賰賳 亘賯賷 丕賱賳氐丨賷丞 丕賱賲賰乇乇丞 丕賱賱賷 賮囟賱鬲 丕賱爻鬲 鬲賯賵賱賴丕 賵鬲毓賷丿 賵鬲夭賷丿 賮賷賴丕 賵賴賷 丕賱鬲丨匕賷乇 亘丕賱鬲毓丕賲賱 亘賮賷夭丕 丕賱賲卮鬲乇賷丕鬲 丕賵 賰丕乇鬲 丕賱賮賷夭丕 丕賱賲賮鬲賵丨
孬賲 賮 丕賱賳賴丕賷丞 賰賱丕賲 亘噩丕賳亘 丿賷賳賷 丨賵丕賱賷賳 丕乇囟賷 賵丕丨賲丿 乇亘賳丕 賵亘賵爻 丕賷丿賰 賵卮 賵馗賴乇 丕賱禺 丕賱禺
October 13, 2016
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".
October 3, 2016
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.
November 13, 2017
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.
September 16, 2018
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.
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.
June 14, 2017
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.
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.
May 10, 2022
#賯乇丕亍丕鬲_丨賵賱_丕賱毓丕賱賲 #鬲乇卮賷丨丕鬲_兀丿亘賷丞
芦賱丕 鬲卮毓乇賵丕 亘兀賳賰賲 鬲禺爻乇賵賳 賱賲噩乇丿 兀賳 卮禺氐賸丕 丌禺乇 賷賰爻亘貙 賮賱賷爻 賱賳噩丕丨賴賲 兀賷 毓賱丕賯丞 亘賰賲貙 丕丨鬲賮賱賵丕 廿匕賳 亘賳噩丕賴賲 亘廿禺賱丕氐貙 亘賷賳賲丕 鬲爻鬲賲乇賵賳 賮賷 丕賱毓賲賱 毓賱賶 鬲丨賯賷賯 賳噩丕丨賰賲.禄
鈽呪槄鈽呪槄鈽�
丕賱賰鬲丕亘 亘丕禺鬲氐丕乇 賷鬲丨丿孬 毓賳 丕賱爻賷乇丞 丕賱賲賴賳賷丞 賱賲丐賱賮鬲賴 -乇丕賷鬲卮賱 賰乇賵夭- 賵丕賱鬲賷 丕爻鬲胤丕毓鬲 兀賳 鬲丐爻爻 -賲毓 兀亘賷賴丕- 卮乇賰丞 鬲賯丿賲 賱乇賵丕丿賴丕 賳氐丕卅丨 賮毓丕賱丞 賵鬲乇爻賲 賱賴賲 禺乇丕卅胤 丕賯鬲氐丕丿賷丞 賲賵孬賵賯丞 賱賱鬲禺賱氐 賲賳 丕賱丿賷賵賳貨 丨賷孬 鬲乇氐丿 芦賰乇賵夭禄 兀孬賳丕亍 丨丿賷孬賴丕 賰賷賮 賷鬲爻亘亘 亘毓囟 丕賱亘卮乇 賮賷 廿賱丨丕賯 丕賱兀匕賶 亘兀賳賮爻賴賲 賵兀爻乇賴賲 亘賰孬乇丞 丕賱丕爻鬲丿丕賳丞 睾賷乇 丕賱賲亘乇乇丞 賵丕賱爻賱賵賰賷丕鬲 丕賱賲丕丿賷丞 丕賱賲噩丕賮賷丞 賱賱賲賳胤賯 丕賱丨賰賷賲!
賰賲丕 賷鬲胤乇賯 丕賱賰鬲丕亘 賮賷 丨丿賷孬賴 賱賱賲賯丕乇賳丕鬲 丕賱賵賴賲賷丞 丕賱鬲賷 鬲爻賷胤乇 毓賱賶侔 丨賷丕鬲賳丕. 賮丕賱噩賲賷毓 賷乇睾亘 賮賷 鬲丨賯賷賯 丕賱賲噩丿貙 丕賱睾賳賶侔貙 賵丕賱卮賴乇丞貙 丿賵賳 丕賱賳馗乇 賱賱賲毓胤賷丕鬲 丕賱丨賯賷賯賷丞 丕賱鬲賷 爻鬲賲賰賳 兀氐丨丕亘賴丕 賲賳 鬲丨賯賷賯 賲丕 賷乇賷丿賵賳.
賮丕賱賰鬲丕亘 賷丨賲賱 丕賱賰孬賷乇 賲賳 丕賱賳氐丕卅丨 丕賱毓丕賲丞 賱廿丿丕乇丞 丨賷丕丞 賳丕噩丨丞.. 賱匕賱賰 兀乇卮丨賴 賱賰賱 賲賳 賷賮賰乇 賮賷 鬲睾賷賷乇 賳賲胤 丨賷丕鬲賴 賵賳馗乇鬲賴 賱賲噩鬲賲毓賴貙 丨賷孬 兀賳賴 賷噩賲毓 賲丕 亘賷賳 兀丿亘賷 丕賱爻賷乇丞 丕賱匕丕鬲賷丞 賵丕賱鬲賳賲賷丞 丕賱亘卮乇賷丞 賲賲丕 賷噩毓賱賴 賲丐賱賮 賯賷賲 賷爻鬲丨賯 丕賱丕胤賱丕毓.
芦賱丕 鬲卮毓乇賵丕 亘兀賳賰賲 鬲禺爻乇賵賳 賱賲噩乇丿 兀賳 卮禺氐賸丕 丌禺乇 賷賰爻亘貙 賮賱賷爻 賱賳噩丕丨賴賲 兀賷 毓賱丕賯丞 亘賰賲貙 丕丨鬲賮賱賵丕 廿匕賳 亘賳噩丕賴賲 亘廿禺賱丕氐貙 亘賷賳賲丕 鬲爻鬲賲乇賵賳 賮賷 丕賱毓賲賱 毓賱賶 鬲丨賯賷賯 賳噩丕丨賰賲.禄
鈽呪槄鈽呪槄鈽�
丕賱賰鬲丕亘 亘丕禺鬲氐丕乇 賷鬲丨丿孬 毓賳 丕賱爻賷乇丞 丕賱賲賴賳賷丞 賱賲丐賱賮鬲賴 -乇丕賷鬲卮賱 賰乇賵夭- 賵丕賱鬲賷 丕爻鬲胤丕毓鬲 兀賳 鬲丐爻爻 -賲毓 兀亘賷賴丕- 卮乇賰丞 鬲賯丿賲 賱乇賵丕丿賴丕 賳氐丕卅丨 賮毓丕賱丞 賵鬲乇爻賲 賱賴賲 禺乇丕卅胤 丕賯鬲氐丕丿賷丞 賲賵孬賵賯丞 賱賱鬲禺賱氐 賲賳 丕賱丿賷賵賳貨 丨賷孬 鬲乇氐丿 芦賰乇賵夭禄 兀孬賳丕亍 丨丿賷孬賴丕 賰賷賮 賷鬲爻亘亘 亘毓囟 丕賱亘卮乇 賮賷 廿賱丨丕賯 丕賱兀匕賶 亘兀賳賮爻賴賲 賵兀爻乇賴賲 亘賰孬乇丞 丕賱丕爻鬲丿丕賳丞 睾賷乇 丕賱賲亘乇乇丞 賵丕賱爻賱賵賰賷丕鬲 丕賱賲丕丿賷丞 丕賱賲噩丕賮賷丞 賱賱賲賳胤賯 丕賱丨賰賷賲!
賰賲丕 賷鬲胤乇賯 丕賱賰鬲丕亘 賮賷 丨丿賷孬賴 賱賱賲賯丕乇賳丕鬲 丕賱賵賴賲賷丞 丕賱鬲賷 鬲爻賷胤乇 毓賱賶侔 丨賷丕鬲賳丕. 賮丕賱噩賲賷毓 賷乇睾亘 賮賷 鬲丨賯賷賯 丕賱賲噩丿貙 丕賱睾賳賶侔貙 賵丕賱卮賴乇丞貙 丿賵賳 丕賱賳馗乇 賱賱賲毓胤賷丕鬲 丕賱丨賯賷賯賷丞 丕賱鬲賷 爻鬲賲賰賳 兀氐丨丕亘賴丕 賲賳 鬲丨賯賷賯 賲丕 賷乇賷丿賵賳.
賮丕賱賰鬲丕亘 賷丨賲賱 丕賱賰孬賷乇 賲賳 丕賱賳氐丕卅丨 丕賱毓丕賲丞 賱廿丿丕乇丞 丨賷丕丞 賳丕噩丨丞.. 賱匕賱賰 兀乇卮丨賴 賱賰賱 賲賳 賷賮賰乇 賮賷 鬲睾賷賷乇 賳賲胤 丨賷丕鬲賴 賵賳馗乇鬲賴 賱賲噩鬲賲毓賴貙 丨賷孬 兀賳賴 賷噩賲毓 賲丕 亘賷賳 兀丿亘賷 丕賱爻賷乇丞 丕賱匕丕鬲賷丞 賵丕賱鬲賳賲賷丞 丕賱亘卮乇賷丞 賲賲丕 賷噩毓賱賴 賲丐賱賮 賯賷賲 賷爻鬲丨賯 丕賱丕胤賱丕毓.
August 11, 2017
Rachel Cruze did a really great job of inspiring me and my fianc茅 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!
October 18, 2016
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!!
October 5, 2016
"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.
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.
December 1, 2016
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.
May 27, 2024
I'll be honest and admit that I didn't expect to love Rachel's book as much as I did. However, it left a lasting impression on me, and I plan to re-read it in the near future.
The main theme that stuck with me is keeping up with the Jones'. It's gone too far. In the digital age of social media, we often compare our lives to others, and wonder why our financial situation isn't perfect.
Here's the truth bomb: nobody's life is perfect. Everyone has cobwebs and things they want to change. Whether it be a lack of savings, overly frugal spending habits (despite being a millionaire), or anything else.
4 stars.
The main theme that stuck with me is keeping up with the Jones'. It's gone too far. In the digital age of social media, we often compare our lives to others, and wonder why our financial situation isn't perfect.
Here's the truth bomb: nobody's life is perfect. Everyone has cobwebs and things they want to change. Whether it be a lack of savings, overly frugal spending habits (despite being a millionaire), or anything else.
4 stars.
October 16, 2016
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.
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.
October 9, 2022
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.
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.
November 12, 2022
丕賳丕 賲賲賰賳 丕賰賵賳 馗丕賱賲 賱賱賰鬲丕亘 丿丕 亘爻 賮毓賱丕 丕賱賰鬲丕亘 乇睾賷 丕賵賷
毓賲丕賱 丕卮賵賮 丕賱賲毓賱賵賲丞 賮賷賳 毓卮丕賳 丕賱丕賯賷賴丕
賰賱丕賲 毓賳賴丕 賵毓賳 噩賵夭賴丕. 丕賱賰鬲丕亘 丨賱賵 亘爻 賷禺賱氐 賮 5 丿賯丕賷賯 賱賰賳 賮毓賱丕 睾賷乇 賰丿丕 乇睾賷 毓丕賱賮丕囟賷 賲賱賵卮 賱丕夭賲丞
夭丕卅丿 丕賳 賰賱丕賲賴 賲毓馗賲賴 毓賳 丕賱丿賷賵賳 賵丕賱丨賷丕丞 丕賱丕賲乇賷賰賷丞 賵丿丕 賲禺鬲賱賮 鬲賲丕賲丕 毓賳 丕賱毓丕賱賲 丕賱毓乇亘賷 丕賱賱賷 氐毓亘 賮賷賴 丕賱賰賱丕賲 丿丕
毓賲丕賱 丕卮賵賮 丕賱賲毓賱賵賲丞 賮賷賳 毓卮丕賳 丕賱丕賯賷賴丕
賰賱丕賲 毓賳賴丕 賵毓賳 噩賵夭賴丕. 丕賱賰鬲丕亘 丨賱賵 亘爻 賷禺賱氐 賮 5 丿賯丕賷賯 賱賰賳 賮毓賱丕 睾賷乇 賰丿丕 乇睾賷 毓丕賱賮丕囟賷 賲賱賵卮 賱丕夭賲丞
夭丕卅丿 丕賳 賰賱丕賲賴 賲毓馗賲賴 毓賳 丕賱丿賷賵賳 賵丕賱丨賷丕丞 丕賱丕賲乇賷賰賷丞 賵丿丕 賲禺鬲賱賮 鬲賲丕賲丕 毓賳 丕賱毓丕賱賲 丕賱毓乇亘賷 丕賱賱賷 氐毓亘 賮賷賴 丕賱賰賱丕賲 丿丕
December 12, 2016
A fresh perspective on Dave's money principles. I appreciated her outlook and tips for living in this age of social media.
March 16, 2017
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.
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.
January 8, 2019
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.
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.
October 3, 2016
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!
May 29, 2019
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.
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.
October 3, 2016
Personal finance is changing. Companies are getting better and better at helping us spend our money fast with debit cards, Amazon Prime, Apple Pay, etc. As if companies aren't already skilled at making us drool over the next gadget we "need", we are now surrounding with a constant feed of what other people are buying and doing. Love Your Life and Not Theirs is an easy read filled with practical tips on modern personal money finance and tips for avoiding the financial pitfalls that come with comparing what you have to others. You will find inspiration to overcome inflated social media facades. You will also likely find a few areas where the modern day Jones are unintentionally zapping the happiness and contentment from your life. Rachel provides simple steps to build and stay focused on the life YOU want.
October 6, 2016
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.
January 23, 2017
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!
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!
March 13, 2017
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.
December 7, 2016
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.
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