Dave Ramsey is America’s trusted voice on money and business. He’s authored seven national best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership, Dave Ramsey’s Complete Guide to Money, Smart Money Smart Kids, and The Legacy Journey. The Dave Ramsey Show is heard by more than 12 million listeners each week on more than 575 radio stations and digital outlets.
As a seasoned communicator and Ramsey Personality, Rachel Cruze has been speaking to groups as large as 10,000 for more than a decade. 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 on the proper way to handle their money wisely and stay out of debt. Rachel co-authored the #1 national best-selling book Smart Money Smart Kids with her dad. Her new book, Love Your Life, Not Theirs, releases October 2016.
A popular and dynamic speaker on the topics of personal finance, retirement and leadership, Chris Hogan helps people across the country develop successful strategies to manage their money in both their personal lives and businesses. He is the host of the Retire Inspired Podcast and the author of Retire Inspired: It's Not an Age; It's a Financial Number, a #1 national best seller. For more than a decade, Chris has served at Ramsey Solutions as a trusted financial coach and Ramsey Personality.
Chris Brown is a nationally syndicated radio talk show host, pastor and dynamic speaker carrying the message of stewardship and intentional living nationwide as a Ramsey Personality. Available on radio stations across the country, Chris Brown's True Stewardship provides biblical solutions and sound advice for questions on life and money. Prior to joining Ramsey Solutions in 2014, Chris spent seven years leading many to Christ while growing churches in North Carolina and Florida. Chris and his wife, Holly, live in Franklin, Tennessee, with their three children.
An inspiring and enthusiastic presenter, Christy Wright has spoken to groups of thousands at corporate events, women's conferences and some of the country's top universities. Christy is also a certified business coach whose direct and genuine presentations cover a range of topics from business and money management to personal development and goal setting.
At age 19, Anthony ONeal was deep in debt and short on hope with no direction of where his life was headed. But after hitting rock bottom, he turned his life around and committed to helping students find and pursue their passions. Since 2003, Anthony ONeal has helped thousands of students succeed with money in their work and personal lives. Now Anthony has joined Ramsey Solutions to spread this encouraging message to students nationwide as a Ramsey Personality.
Are you a Nerd or a Free Spirit? Let me know below! I’m a free spirit!!
I am definitely the nerd. Love those columns and numbers. 🙂
I’m a free spirit shoved into a nerd role.
A free spirited nerd who does the budget, how about that one? lol
What if you’re both free spirits??? AHHHHHHH!! He’s a little more of a nerd than me but still we’re both free spirited. Oh no! Are we doomed?
I’m the nerd and my husband says…”No way!!!” No budget for him…I’m doing Financial Peace all by my lonesome!! It’s really really hard and I’ve realized that he has 1 little payment per month and I have 7x that going out per month….HMMMMM??? I haven’t figured out how to bring me over to the bright side of life…I will keep working!
Kim, work with him! Just prepare an amazing meal… Wine, his favorite… The whole thing! Then after an amazing meal and night, the offer stands… For every week of Financial Peace you get ________. We sometimes need a little bump to get it right. You can do it. The sad true is you are going to get tired VERY SOON of doing it alone. That’s the no-no part.
Love your videos1!!
Rachel and the team – the videos are super cool… Edits are fast and simple! Rachel, you are funny!
25 Years of marriage later…my free spirited husband is still only seeing a budget as a maybe, sorta, I don’t think so, but if it will make you happy…but I don’t want to be pinned down, we’re doing fine, if I’m real quiet, she won’t mention it again…deal.nAgggggghhhhhh! 25 Years later I still see the value in and want a budget! The problem with my being “patient…he’ll come around” attitude is that now we are knocking on age 50 and very little set aside for retirement. nI say, drag him/her kicking and screaming to the goal that will improve your life as a couple, a family. Maybe not kicking and screaming, but don’t be patient beyond a reasonable period. Free spirit should NOT win over nerd just as nerd should not win over free spirit.
I’m a free spirit and my husband is more the nerd. However, he does not want to take the responsibility of making a budget! He wants me to do it and tell Him about it but He wont do it. I feel that He wants it done but doesn’t want it to fall on Him if it doesn’t work so He leaves it to me so he can put the blame on me! *Sigh*
Do you have any tips for free spirit singles just starting out doing a budget and sticking to it?
Great question! I’ll do a vlog on that!
love your videos
I’m a nerd that still likes to have fun and splurge occasionally … many steps taken, not in debt (right now anyway)… and God continues to show Himself and make provision to meet our needs! He is indeed FAITHFUL! Keep up the great work …my children’s generation NEEDS YOU!
I am a free-spirit but am the nerd who figures out the budget, too.
Nice! I’m definitely the nerd… My wife’s “kinda” nerdy, too, but of the two of us she’s more of the free spirit. She doesn’t enjoy doing the budget or the details, but she definitely spends smart and works with me.nnnCan’t kick the kids out of the house… they’re 4 and 2. But we’re moving close to grandma, so maybe we can send them there… 🙂
We are both nerds and we are both free spirits, here. Sometimes, he is the nerd. Sometimes, I am. This makes things pretty intense. You’ve really got to make a video about people like us! You really need advice for couples like us! My husband does the monthly budget and I come and change a few things. Sometimes, both of us are rebels and we say, “Let’s steal the money from clothing and use it to go out to eat.” We are like little children when we do this, but we agree on it together. Yesterday, I came down from Mt. Sinai with our lifetime financial plan. Jeff did not agree. Jeff wants to do employer matching. We don’t have BS#3 out of the way. We eventually came to a compromise, which is that every time he gets about a 2,000 a year pay raise, we raise pre-tax investing, from paycheck at work, 1%. I think we agreed fairly contentedly.
I can be a nerd but prefer being a free spirit. Sort of a free spirit trapped in a nerd world.
I’m a super nerd
Excellent video…and oh, so true. Am a changed nerd (after peace university) who had some (OK-a lot of) free spirit bad habits. Now the official nerd of our family, I love budgeting, love life after learning the benefits to open communication, give-a-little, try-for-a-while, nothing-personal-but-for-the-good-of-the-family…golly, it really works. Never will I live letting money control me again. It was waaaaaaay too stressful. And that I can promise if I stick to my daily, monthly, yearly committments. It was my husband who introduced me to better financial freedom and I will be ever grateful. (He was very, very patient with me.)
Hi Rachel, my husband and I love your new website, he calls you my budget friend, and that is what I feel like you are. It makes working on the budget and planning so much more fun after I have watched one of your videos and feel like I have had a pep talk from a friend.
Love the videos Rachel! Any tips on how to adjust the budget when a major life change happens (I.e. Babies, new job, ect)?