Real Life On A Budget


Just wanted to give you a warm welcome and say a special thanks for checking out my site!


  • Renee

    Congrats!!! This is so very exciting for you and for the younger generation too!!! nnThank you for your words of wisdom!!

  • Tryssa

    Rachel, Im so proud of you and the difference that your family makes in the lives of others and for the Kingdom of God! I have always been interested in finance and how to handle money because I was raised in a low income family who never had anyone who taught them how to handle money. I was introduced to Dave Ramsey when I was 18 years old, my first year in college and he CHANGED MY LIFE! Literally! Because of him and the stuff he taught, I change my major from accounting to finance. I wanted to learn how to handle money God’s way so that I could help people handle theirs! A few years later, I got my Bachelors in Finance, got married, became debt free and now my husband and I lead Financial Peace University at our church! In addition to that, I am so passionate about this, that I became a Financial Advisor. I always remember what Dave says, which is to seek a Financial Advisor with the heart of a teacher and that’s always my #1 goal! I have his daily calendar on my desk and I post my favorite quotes on my wall as a reminder. In addition to being a lifetime fan of Dave, I’m an even bigger fan of you! Im 26 years old and being in the financial industry, my age and gender is a minority. I LOVE the fact that you are out there representing our generation as a young female. Makes me feel like I’m not the only one! 🙂 Well, this is getting long and I could go on and on and on about how you and your dad have changed my life and my family tree, but I hope this gives you a small glimpse at the eternal impact you have made in my life. THANK YOU SOO MUCH! PS- I will be in Orlando tomorrow for EntreLeadership! Not sure if you’ll be there or not, but Im looking forward to it! 🙂

  • tiahmo

    Am excited to follow your website. So grateful for your message! My daughter just recently went to FPU! So glad she is getting control of her money!

  • Phil Heiser

    Great start to the website Rachel! Very clear, engaging, and most definitely relevant! We will enjoy visiting here often with our 12 and 15 year olds! You and the team keep up the excellent work. It is making a difference.

  • Mark Myrick


  • David Key

    Awesome Website!!!! Going to make this my 15 and 13 year old daughters home page. Thanks for what you do!!!!!

  • pete

    Def forwarding you to all the “youngers”!! Your obviously one of Dave’s Best investments! Congratulationsn

  • Chris Humphrey

    I look forward to seeing you, your dad and Jon in Tulsa next month!

  • Melodi

    Well am I ever STILL impressed by you… I have watched you with your Dad for quite some time and I love what you are doing. I’ll be a regular on here –

  • Tanya

    I wish you and your message were around when I was 18 would have made much better choices with budgeting

  • Doug Lenhart

    Rachel, I am a merit badge counselor for the Personal Management merit badge in the Boy Scouts. I would love to be able to incorporate your principles into the requirements in teaching this merit badge. These Scouts range in age from 11 – 18 year of age. How would be the best way to do this. If you are going to be in town on October 28 and 29 I would love to stop by and visit with you about this. If not I still would be interested in talking to you about your thoughts. ThanksnnDoug

  • Arvid Cowell

    Rachel, as a stewardship leader for my church, I am so happy to see you are reaching out to my daughter’s generation. I know you can speak life into the lives of so many people. May the Lord bless you and keep you, may He make His face to shine upon you and through you!

  • Kristy

    Keep on keepin’ on!

  • Jorgenseptembet

    Congrats Rachel. God bless and watch over you. May you’re words touch the heart and minds of all who need direction on their lives. May The Lord keep you safely on the shadow of His wings. Much luck.

  • Thomas

    Hello Rachel, It so good to see you having your own website. I am glad that you follow your Dad’s footstep. It very hard for most of the children follow their parent’s footstep, I am very graceful to know your Dad thru visual in 2008. We are still working on baby step 2. I have teach my kids over and over about the system so it good that you will teach again and might have difference idea of showing the kids how to manage your money. Just want to let you know that I am DEAF so please make sure that mostly of your video or DVD is closed caption or substitle because I love to help mostly Deaf Adults or Children how to save their money. Welcome Rachel !!!

  • April Richardson Boyd

    Thank you!!! This is GREAT!!!!

  • mrsmarty

    That’s probably because you’re used to watching actresses who go through years of training to learn how to ‘naturally’ fake us out. She’s the real deal, just trying to be personable, just not an good actress.

  • Annie Igo

    Congratulations Rachel!nnnWe have three daughters, all who have gone through Generation Change. My husband met you in the lobby of FPP the afternoon of the Start conference. Our oldest is a sophomore in college, and is a student without a student loan! All her friends keep asking her how that is possible.nnnI just emailed my daughter, and if she views your website I promised to mail her a $25 gift card to her favorite eatery on campus. :)nnnThanks for everything

  • Hey Rachel,nnnI am very excited for you and the message that you will be sharing with so many people. I know we haven’t ever officially met yet, but I am a big fan of your talks and your mission.nnnHaving graduated from college many years ago Debt Free, I know I have been blessed to have many more opportunities because of that. nnnSo keep going!

  • Stacey Mills

    HI Rachel! Love these video blogs. Love your sense of humor and transparency. Please keep them coming. Love them!! – Stacey

  • Sherrie Goodrich

    Great place for our next generation to seek financial wisdom, when they did not receive it from their family.

  • jb

    Rachel, can’t wait to have my kids – especially my 14 y/o daughter check out your site! I’ve been a ‘your dad’ fan for a long time. She and I love listening to the show on iHeart radio so your site should be an easy sell! Thanks for your work and God bless in 2014!

  • Hri Hawaii

    Congratulations!! Alohaaaaa

  • Blake

    hey I just want to say thanks. I am a sophomore in high school and I am taking the class that you and your father teach. I am very excited to see what I can do with what I have learned and look forward to what you sill have to teach me.

  • Steve Freethy

    I appreciate you and all you do to teach us to live within our means and going counter-cultural. The bible also teaches us to “owe no man nothing but to love one another.” However, how do we get past temptations to buy something quicker by using debt? I know debt is not a good thing or a tool as Dave Ramsey says?

  • stephensacks

    Hi Rachel
    Do you have any opinions on Physicial Gold IRAs?