Growing up 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.

When I was 16, I started speaking at high schools and small events to encourage young people like me that they could set and achieve their financial goals without relying on debt.

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.

Now, as a Ramsey Personality and certified financial coach, I travel all over the country speaking and sharing practical guidance on how to get out of debt. I’m super passionate about exposing the toxic culture’s lies that people believe when it comes to their finances and giving people a clear plan they can use to take control of their money.

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

At the end of the day, 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!