Rachel Cruze (née Ramsey; born April 25, 1988) is an American author who specializes on the subject of personal finance. Her book Smart Money Smart Kids, co-authored with her father, Dave Ramsey, reached number one on The New York Times Best Seller list in 2014. Her second book Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want was published in 2016.
Cruze was born and raised in Tennessee, one of three children born to author and radio host Dave Ramsey and his wife, Sharon Ramsey. She was raised in an Evangelical Christian household. Cruze attended Brentwood High School and earned a Bachelor of Arts degree in communications from the University of Tennessee.
Cruze has been cited on how to save for purchasing a home. She advocates using debit cards instead of credit cards as a way to control spending, and to never spend beyond one's means, which "requires a discipline and a mindset that often goes against the grain of our instantly gratified society," she said in an interview in the Kansas City Star. Cruze has appeared on Good Day L.A..
Smart Money Smart Kids (co-authored with her father Dave Ramsey) Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want The Graduate's Survival Guide (co-author) The Contentment Journal Know Yourself, Know Your Money I'm Glad for What I Have