Episode 3

Love Your Mom Life


Transcript

- It's almost Mother's Day, and being a mom is wonderful, fulfilling, and let's face it, between you and me, at times, a little challenging. It can wear you out, but don't worry. We are here to build you up. So if you are a mom, know a mom, want to be a mom, then this episode of the Rachel Cruze show is for you. Becoming a mom has taught me a lot of things, and has given me an even greater appreciation for all moms. Being a mom has some of the sweetest moments that you can ever imagine. But it also has some of the craziest moments. I mean, have you been there moms? Do you know? Well, you'll appreciate this story. I was planning Christmas. You know, this is kind of out of season, but last Christmas this was Amelia's first Christmas where she actually understood what was going on. And I don't know your feelings toward Santa Claus, some people don't do Santa at all, some people love Santa. Well, I love Santa. Like, obsessed with Santa Claus and all the things. Elf on the Shelf, we're gonna bake cookies, leave out reindeer food, I mean, I love it. Don't judge, but I do. I love it all. So Amelia, I'm telling her, "Oh my gosh, Santa is gonna come. "He's gonna bring you some presents and it's so fun. "And we love Jesus, and it's Jesus' birthday, of course. "But, Santa's gonna be here, "and it's gonna be really exciting." And so Christmas Eve came, and we put out all the toys when she went to bed, and I was so excited for her to get up because she was talking about Santa. Well, at about 2:00 a.m., on the monitor, we hear crying and yelling for daddy and mommy, and I was like, "What?" So Winston went up, came back down probably ten minutes later, and he was like "She threw up." And I was like "She threw up?" Amelia has never thrown up. I've never had a child who's thrown up before. Just remember that. So I go back, and I'm like, "Oh my gosh, what do we do?" And he was like, "Well, I changed her sheets, she's fine." And I was like, "Okay." Within 30 minutes, crying again. I go up there, and there's throw up again, and I was like, "Oh my gosh, no!" So we take it off. So I only have two sheets, right? So now my child has no sheets, and I was like, "I don't know what to do." And so I said, "Okay, well I'll just take her "in the guest bedroom and I'll sleep with her "in the bed and it'll be fine." So I'm walking out and I'm trying to shield her eyes 'cause you can see down to our living room, so I don't want her to see the presents. I'm still hanging onto this idea that Santa is still gonna be a thing, right. So I'm in bed with her, and it's 3:00 a.m. I mean we're just exhausted. And she's talking and playing. And then she, I remember she said, "Oh, mommy, my stomach." And I was like, "Oh gosh, you okay, you okay?" And she was like, "Uh." And I was like, "Oh my gosh, I don't have a trash can. "I forgot you had to have a trash can in these moments. "I don't know what I'm doing." And so she got sick on the side of the bed and I was like, "Man, oh no." I was like, "It's okay, Amelia, everything's fine. "Drink this water. "Do you need gum? "I don't know, I don't know what to do." So, then she's sitting there, and I remember, like 10 minutes later, she was like, and I looked at her in all seriousness and I said "you have the hiccups, "you just have the hiccups, it's the hiccups." It was not the hiccups. She was gagging. So, then I caught some in my hands, and I'm trying to get off the, I mean, you guys, it was a hot mess, like it was a disaster. And the whole next day, she was feeling horrible. She wasn't even excited about the gifts. And it was just this moment of thinking as a mom, I don't know if you've had this moment, where I was like "I don't know what I'm doing." Like, I need my mom. There's supposed to be an adult here, taking care of this situation, and I'm the adult and I don't know what I'm doing. So, sometimes, mom life, again, can be wonderful, and at times, it's just crazy. But, all of it together, it's such an important role and something that I do love so much. So, for this episode, you moms out there, we wanna celebrate you. And so, what I'm gonna do is talk to all types of moms here on the show today. We're gonna be in the kitchen with my mom, Sharon Ramsey, and we're gonna take one of her classic crockpot recipes and try it in the InstantPot. And some of my best friends are gonna stop by. One who is a full-time mom, one who works part-time and one who is a full-time working mom. But first, I wanna start off with someone who is absolutely incredible. Jennifer Raisbeck is a single mom who came to Ramsey Solutions here at the office to do her debt free screen. She paid off 12,000 dollars in a year. Amazing. And today, she is taking the time out of her day to skype in, from work, on her lunch break. So, I'm so excited, cause I think we all can learn something from her. So, Jennifer, thank you so much for being here.

- Of course, thank you for having me Rachel. I'm very excited.

- Good, well I love your whole story. So, just give us an overview, what were some of the financial challenges that you were facing being a single mom?

- Of course, I mean, doing everything on a single income makes it more difficult. I really had to watch my budget. I don't have anybody else's income to fall back on.

- Absolutely. So, budgeting. That was a huge part of you winning. So, how did you do that? Like, tactically speaking, if somebody is out there and they're like "I need to get on a budget," what did you do?

- I would sit down, do my budget, carry over what I could, and then when I would get paid every two weeks, I would take a look at what would need to get paid from that paycheck for the next two weeks, and write that down, and then look at if there was anything left over, was there something maybe additional I could pay that didn't need to be paid till later in the month.

- Okay, so, I wanna know for you, what was the moment that you decided to change things?

- I kinda just got to the point that I was like "this is ridiculous, I just wanna get it done, "I don't wanna have to deal with it anymore." And once I started really watching Dave's show on YouTube every single day, and getting into a community there, and then reading his book, and then especially reading your guy's book that you guys did together, I was just like, this, this is just, I just don't wanna do this anymore and I wanna teach my kids a better way, because I was taught you always have to have credit. Credit's fine. You know what I mean? My mom got me a store credit card when I was 16 to help build my credit. I was just raised that way. And I just decided that I just didn't wanna do it anymore. I didn't want to have worry about it.

- So for all moms out there, as you know, you're trying to get your budget intact, sacrificing lifestyle, getting out of debt, all of it. Did you deal with any of the mom guilt that I think every mom faces at some point in life, but specifically on this journey?

- Absolutely. I mean, I think that as moms, especially maybe single parents, single moms or single dads, we kind of want to sometimes give our kids things that maybe we didn't have, or, even more so for me, it's experiences. I really wanna be able to take my kids on vacation. I really wanna be able to go fun places with them, because I think those kind of memories are really important, and I didn't have a lot of that when I was growing up. So, yeah, I struggle with that. And it's especially hard when the school that your kids go to and the friends that they're around have two parent families. I heard a lot of "well, how come we can't do this" or "can we go do this?" And, your kids don't choose to be raised in a family where there's only one parent. So, it can be really hard to tell them no, we can't do that or I can't afford it because I'm the only one, because to them, it wasn't their choice to have to be in a family with only one parent. So, absolutely, I struggle with that. But I know, at the end of the day, the reasons why I did what I did is because I wanna teach them how to live without debt and that it's okay to wait for things that you really, really want. I'm the only one that they can depend on to make sure things are taken care of.

- [Rachel] Yeah, it's sad.

- I have to really keep that in the back of my head.

- But you really are, I mean, you're just doing such an incredible job. I mean, it really is so powerful to hear your story and what you've walked through because not only are they having to learn, your kids, the word no at times, but the legacy that you're leaving them. And they won't grow up like you did having that store credit card at 16 and it becoming a normal way. Their normal will be freedom from this point on and that's such, such a remarkable thing. So, for you, what was the biggest thing that you learned about yourself while you were going through this?

- That I can really do anything that I put my mind to. And that you don't have to have a large income in order to be successful financially. That it really comes down to living below your means and making things priority. Right now, I think I struggle with wanting to save for a lot of different things. So, I'm even struggling with that right now. I have to make sure that I prioritize things and I know that I can do it. It might take me longer than somebody else that has two incomes or even a single person with a large income. It might take longer, but focusing, doing things slow, steady, I'll get there, I just have to be patient, and give yourself maybe little rewards along the way just for accomplishing the goal.

- Yeah, absolutely. I was gonna ask you what piece of advice you'd give someone who's in your situation, but you just answered it perfectly. I mean, seriously, oh my gosh, that's it. You have to live below your means, you have to save up, give yourself some rewards along the way to say that you can do it. Cause it's a marathon, it's not a sprint. So, so great. I mean, seriously Jennifer, thank you so, so much.

- Thank you.

- for coming on and I'm just so proud to know you and to hear your story and all the work that you've done.

- Thank you

- Thank you so much. Gosh, what an amazing story. Jennifer is an inspiration and a reminder of how much moms matter. And so, I want to take a second and have a mom to mom moment. Moms, I know it's not the most fun topic to talk about, but you need to make sure you're taking care of yourself and your family. And one of the ways you can do that, is to get term life insurance. Again, I know it isn't a light-hearted topic, but it is needed so you can make sure your family would be okay god-forbid, if something ever happens. I hear all the time from people that say they don't know where to start or even how much coverage they need. So, if you work outside the home, like me, you'll need 10 to 12 times your income. And if you're a stay-at-home mom like some of my friends you'll meet later, you'll need to look at what it would take to replace everything you do around your household to keep it going. Winston and I personally use and recommend Zander Insurance and we love them. They are so on top of everything and they do great work to find the best options and prices, customized to your family's needs. So, go to zander.com or click the link in the description and get a quote today. You can also find out more at my website, under Rachel recommends. So, now we're gonna head into the kitchen, with the first celebrity chef I ever knew, my mom, Sharon Ramsey. And we're gonna make one of her famous crock pot recipes in an Instant Pot.

- I don't know what an Instant Pot is.

- They say if you're lazy, it's a good thing to have.

- We actually use one all the time.

- So, I thought on this episode, it would be so fun to bring in my mom.

- Thank you.

- Sharon Ramsey to help us cook. Because mom, you're like one of the best cooks out there. Really.

- You grew up always cooking Rachel.

- I know.

- Always cooking.

- She cooked all the time. She grew up on a farm.

- I did.

- What did you do?

- It was all, everything was fresh,

- True or false, did you churn butter ever in your life?

- Rachel.

- True or false, did you churn butter?

- True, true, true.

- I think that's so

- good butter though, it was good butter.

- I think that's so fun. I think that's so fun. Okay, so I'll just say, you grew up cooking,

- Yes.

- You cooked with us growing up

- Yes.

- And one of your favorite things was the crock pot.

- Yes. So, what we're gonna do is we're gonna take one of your recipes that you cooked for us growing up that was in the crock pot, and we're gonna put it in this thing, which is called,

- Oh, what is this?

- An Instant Pot. You used one of these before?

- No, but I've heard so many people talk about them. I don't have one, so I'm excited .

- Me too, and I don't even know how

- What did you do?

- [Rachel] I don't know.

- What do you think it is?

- Let's lift up the lid, okay.

- Does it talk?

- I don't know.

- It sings to you though. So, anyways, oh my gosh, it's stressing me out. And apparently, this like blows up or something.

- No, it's kind of like a pressure cooker. I grew up with pressure cookers.

- So you're gonna be better at this than me. So, actually your crock pot, we have cooking back there, the recipe which is fun. So, instead of taking six hours, apparently, it takes like an instant to cook in the Instant Pot. Okay, so what are you gonna cook for us?

- This is going to be beef fajitas and on a cold winter night, or even in the summer, it's something that is quick, it's easy, pop it in the Instant Pot.

- Okay, so what do we start with?

- Okay, grab the meat.

- Okay.

- So the first thing we need to do,

- Oh and it's raw.

- Can I give you a little tip about meat?

- Yes, that's gross.

- Okay, if this were me, and I know people don't always do this, but I would actually take this over to the stove and I would sear it in a frying pan, because,

- Wow, getting real.

- Rachel, surely you know how to do that. You would just put it, maybe for, I don't know, about a minute and a half on each side, just kind of browns it.

- Actually, I hear that the Instant Pot sears it for you,

- What?

- Or you can do it or something someone's told me. But I don't really know how that works, that stresses me out. So, we're not doing that. So, use that.

- Okay, so we're just going to put it in the Instant Pot.

- I'll take this from you. Alright, what do we do next?

- Next, and as you know Rachel, what is one of my most famous sayings? In the kitchen?

- Oh, you always say "open up your spice cabinet." Is that it?

- Anytime you're cooking, seriously, just open up your cabinets, your spice all you have to do is just grab whatever and just use it all

- see, until a non-cook like me, "oh mom, how did you make this" "Just open up your cabinet, just put something" I'm like, "I don't know" I don't even know how much you're using, so that was salt.

- That was all salt and garlic.

- Garlic, okay.

- Pepper, well, that's pepper.

- [Rachel] Pepper, pepper, pepper.

- And Rachel, you know I never measure, right?

- I know, so that stresses me out.

- Honestly, who's gonna know?

- Well, the people eating it, if they're like, oh gosh, they can't even breathe cause I put in siracha sauce, or

- and this is chili powder,

- Chili powder, okay

- which makes it really spicy.

- Is that like a lot?

- That's good. And then, we have a can of Rotel tomatoes, which are yummy

- [Rachel] Yes.

- And green chilis.

- Okay, I know what those are.

- And then, this is our dried onion, beefy onion.

- Okay, so this is what's funny to me. Is that this is kind of gross to me.

- Why?

- I don't know.

- You know another thing you can use this in

- [Rachel] What?

- that is so good?

- Hamburgers.

- Really?

- If you're gonna grill hamburgers, you just open up a pack.

- Does it stress you out? Cause you're kind of an organic, healthy eater.

- True, I hardly shop inside the aisles.

- Oh.

- I'm always on the outside.

- But you do this just cause it tastes good.

- Not very often. So, we'll pu