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Episodes / Finances / Interviews / Marriage / Personal Growth

130: Money Advice Married Couples Should Not Ignore with Rachel Cruze

February 1, 2021

Money is often the source of many marital conflicts and has been one of the top reasons for divorce. But, it doesn’t have to be this way! In Episode 130, we interview #1 New York Times bestselling author and money expert Rachel Cruze about the money advice married couples should not ignore. When couples understand why they handle money the way they do it changes everything. You can partner with your spouse more effectively, you can build on your strengths, change your bad habits for good, see some serious life-change, and have the freedom to do the things that matter most to you.

In This Episode, You Will Hear About:

  • Discover how the way you grew up influences your money decisions.
  • The 4 money classrooms:
    1. Anxious Classroom – emotionally stressed and verbally closed
    2. Unstable Classroom – emotionally stressed and verbally open
    3. Unaware Classroom – emotionally calm and verbally closed
    4. Secure Classroom – emotionally calm and verbally open
  • Why it is important to set a value system about money with your spouse.
  • The 7 money fears and how fear can signal what financial changes need to take place in your family.
  • How working together on your money will improve other parts of your relationship.

Resources Mentioned During the Episode:

  • Purchase a copy of Rachel Cruze’s newest book, Know Yourself, Know Your Money: Discover Why You Handle Money The Way You Do And What To Do About It!
  • Listen to our previous episode with Rachel Cruze about How To Raise A Money Savvy Kid
  • Read Rachel’s previous book about Smart Money Smart: Raising The Next Generation To Win With Money
  • To find out more about Rachel, go to rachelcruze.com
  • Listen to our previous episodes about money:
    • The 5 Money Personalities And Why They Matter
    • The Year Of More Money In Your Pocket
    • Money and Marriage

Quotes and Tweets:

  • When you start to work together on your money, other parts of your marriage start to improve. Money is the outlet of other problems that are underneath the surface. @rachelcruze
  • Money is communicated in two ways: verbally and emotionally. @rachelcruze
  • We can all view money differently. Your personality can be different than your spouse’s. What really matters is your value system toward money. @rachelcruze
  • Money is a tool. It is not our god. Money is a tool that God has given to bless us and bless others. @rachelcruze
  • Fear is your body’s response that you are in literal need of something. – Dr. Chip Dodd
  • Understanding why you handle money the way you do changes everything. It means you can build on your strengths, change your bad habits for good, improve your relationships, and see some serious life-change in the process. @rachelcruze
  • If you’ve made a major money mistake, it’s not uncommon to feel guilt or shame. Guilt can be helpful. It can move us to make a better decision net time. But shame is debilitating. @rachelcruze
  • Contentment is a process that changes your motivation for spending money. How? By changing what you value. @rachelcruze
  •  The more you practice gratitude, humility, and contentment, the more your spending will become less about others and more about what’s truly important to you. @rachelcruze

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And don’t forget to subscribe to our podcast, so that you will never miss an episode! ________________________________________________________________________________________

Meet Rachel Cruze:

Rachel is a self-professed spender at heart and a pizza-lover. She also hated budgeting with a passion while growing up. But, as she learned about what a budget can do, she found a fun way to balance spending and saving money. She is married to her wonderful husband, Winston, and they have two amazing daughters, Amelia and Caroline.
TAGS:argumentclassroomDave RamseyfinancesmarriagemoneyRachel Cruze
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Daniel and Christina Im
about us

Daniel and Christina Im

We’re Daniel and Christina Im. Our heart’s desire and mission is to give you the tools to build a strong, connected, and joy-filled marriage and family.

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Ever feel like an imposter in your own life? @cassandralspeer shares her struggles with imposter syndrome. On episode 195 of the IMbetween Podcast, we delved into how these feelings of inadequacy can actually highlight our humility and dependence on God. It’s a poignant reminder that feeling unqualified doesn’t disqualify us from our purpose—it can be a step towards it.

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Ever feel like an imposter in your own life? @cassandralspeer shares her struggles with imposter syndrome. On episode 195 of the IMbetween Podcast, we delved into how these feelings of inadequacy can actually highlight our humility and dependence on God. It’s a poignant reminder that feeling unqualified doesn’t disqualify us from our purpose—it can be a step towards it. Listen wherever you get your podcasts or at https://imbetween.org/epsiode195/
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Happy birthday to my bestest friend @danielsangi and the person who makes me laugh harder and louder than anyone else in this world. Life with you is more beautiful, whimsical, adventurous, full, and fun than I ever imagined. Today, we celebrate you and the gift your presence is to us. Love you forever!
Happy birthday to my bestest friend @danielsangi and the person who makes me laugh harder and louder than anyone else in this world. Life with you is more beautiful, whimsical, adventurous, full, and fun than I ever imagined. Today, we celebrate you and the gift your presence is to us. Love you forever!
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Happy birthday to my bestest friend @danielsangi and the person who makes me laugh harder and louder than anyone else in this world. Life with you is more beautiful, whimsical, adventurous, full, and fun than I ever imagined. Today, we celebrate you and the gift your presence is to us. Love you forever!
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V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂

Luna was sad to be home all alone after a summer full of cuddles from the kids.
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂

Luna was sad to be home all alone after a summer full of cuddles from the kids.
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂

Luna was sad to be home all alone after a summer full of cuddles from the kids.
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂

Luna was sad to be home all alone after a summer full of cuddles from the kids.
•
Follow
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂 Luna was sad to be home all alone after a summer full of cuddles from the kids.
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Thanks to everyone who wished me a happy birthday. You all represent different times and aspects of my life made all the more meaningful and brighter because of your presence. 

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8 weeks ago, I felt my body start to crave running again. Since my concussion 6 years ago, I haven’t been able to run without it resulting in a massive migraine. Running was not only something I no longer enjoyed, it was an activity that caused me deep pain. I was quite surprised when I felt this urge to run, but I’ve learned to listen to my body. I also knew it had been a LONG time since my feet had hit the pavement in a speed faster than a walk, so I needed to take it slow. I also needed to re-learn how to run. 

I started the Peloton run outdoors program. My first run outdoors was a bit chaotic and quite humorous; I felt completely out of my element and could only run 2 minutes without needing to walk. But, what I would have previously labelled “embarrassing” (which would have led me to quit), felt more like I was honouring what my body was signalling to me. I did not have a headache and it felt good. 

Fast forward 2 months and I finished my Peloton running outdoors program today where I ran 30 minutes straight without walking or stopping…a huge accomplishment as compared to day one. I think I will always be learning how to love and accept my body, but today, I rejoice that I am one step closer.
Thanks to everyone who wished me a happy birthday. You all represent different times and aspects of my life made all the more meaningful and brighter because of your presence. 

My 40s started off with me doing some pretty deep healing, learning to dream again, learning my limits, learning how to say no, learning to ask for what I needed, and learning to listen to my body. It has been a bumpy and beautiful journey.

8 weeks ago, I felt my body start to crave running again. Since my concussion 6 years ago, I haven’t been able to run without it resulting in a massive migraine. Running was not only something I no longer enjoyed, it was an activity that caused me deep pain. I was quite surprised when I felt this urge to run, but I’ve learned to listen to my body. I also knew it had been a LONG time since my feet had hit the pavement in a speed faster than a walk, so I needed to take it slow. I also needed to re-learn how to run. 

I started the Peloton run outdoors program. My first run outdoors was a bit chaotic and quite humorous; I felt completely out of my element and could only run 2 minutes without needing to walk. But, what I would have previously labelled “embarrassing” (which would have led me to quit), felt more like I was honouring what my body was signalling to me. I did not have a headache and it felt good. 

Fast forward 2 months and I finished my Peloton running outdoors program today where I ran 30 minutes straight without walking or stopping…a huge accomplishment as compared to day one. I think I will always be learning how to love and accept my body, but today, I rejoice that I am one step closer.
•
Follow
Thanks to everyone who wished me a happy birthday. You all represent different times and aspects of my life made all the more meaningful and brighter because of your presence. My 40s started off with me doing some pretty deep healing, learning to dream again, learning my limits, learning how to say no, learning to ask for what I needed, and learning to listen to my body. It has been a bumpy and beautiful journey. 8 weeks ago, I felt my body start to crave running again. Since my concussion 6 years ago, I haven’t been able to run without it resulting in a massive migraine. Running was not only something I no longer enjoyed, it was an activity that caused me deep pain. I was quite surprised when I felt this urge to run, but I’ve learned to listen to my body. I also knew it had been a LONG time since my feet had hit the pavement in a speed faster than a walk, so I needed to take it slow. I also needed to re-learn how to run. I started the Peloton run outdoors program. My first run outdoors was a bit chaotic and quite humorous; I felt completely out of my element and could only run 2 minutes without needing to walk. But, what I would have previously labelled “embarrassing” (which would have led me to quit), felt more like I was honouring what my body was signalling to me. I did not have a headache and it felt good. Fast forward 2 months and I finished my Peloton running outdoors program today where I ran 30 minutes straight without walking or stopping…a huge accomplishment as compared to day one. I think I will always be learning how to love and accept my body, but today, I rejoice that I am one step closer.
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One significant takeaway from our latest episode with @shannonbrinkwriter is the power of empathy in relationships, especially when one partner is enduring prolonged suffering. Shannon emphasizes that genuine empathy, rather than superficial reassurances, is crucial. This approach helps foster an environment where both partners feel heard and understood, navigating their struggles together. It’s a reminder of how important it is to be truly present with our loved ones in their times of need.

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One significant takeaway from our latest episode with @shannonbrinkwriter is the power of empathy in relationships, especially when one partner is enduring prolonged suffering. Shannon emphasizes that genuine empathy, rather than superficial reassurances, is crucial. This approach helps foster an environment where both partners feel heard and understood, navigating their struggles together. It’s a reminder of how important it is to be truly present with our loved ones in their times of need. Tune into Episode 193 of the IMbetween Podcast wherever you listen to your podcasts!
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@imbetweenshow

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Hello Instagram

Ever feel like an imposter in your own life? @cassandralspeer shares her struggles with imposter syndrome. On episode 195 of the IMbetween Podcast, we delved into how these feelings of inadequacy can actually highlight our humility and dependence on God. It’s a poignant reminder that feeling unqualified doesn’t disqualify us from our purpose—it can be a step towards it.

Listen wherever you get your podcasts or at https://imbetween.org/epsiode195/
•
Follow
Ever feel like an imposter in your own life? @cassandralspeer shares her struggles with imposter syndrome. On episode 195 of the IMbetween Podcast, we delved into how these feelings of inadequacy can actually highlight our humility and dependence on God. It’s a poignant reminder that feeling unqualified doesn’t disqualify us from our purpose—it can be a step towards it. Listen wherever you get your podcasts or at https://imbetween.org/epsiode195/
2 weeks ago
View on Instagram |
1/5
Happy birthday to my bestest friend @danielsangi and the person who makes me laugh harder and louder than anyone else in this world. Life with you is more beautiful, whimsical, adventurous, full, and fun than I ever imagined. Today, we celebrate you and the gift your presence is to us. Love you forever!
Happy birthday to my bestest friend @danielsangi and the person who makes me laugh harder and louder than anyone else in this world. Life with you is more beautiful, whimsical, adventurous, full, and fun than I ever imagined. Today, we celebrate you and the gift your presence is to us. Love you forever!
Happy birthday to my bestest friend @danielsangi and the person who makes me laugh harder and louder than anyone else in this world. Life with you is more beautiful, whimsical, adventurous, full, and fun than I ever imagined. Today, we celebrate you and the gift your presence is to us. Love you forever!
•
Follow
Happy birthday to my bestest friend @danielsangi and the person who makes me laugh harder and louder than anyone else in this world. Life with you is more beautiful, whimsical, adventurous, full, and fun than I ever imagined. Today, we celebrate you and the gift your presence is to us. Love you forever!
3 weeks ago
View on Instagram |
2/5
🌟 Parenting Tip Alert! Ever find yourself overwhelmed by bursts of anger or frustration with your kids? You’re not alone. In our latest podcast episode, @aliciamichellecoach shares the ADD framework: Acknowledge, Discern, Decide. 

This three-step method helps parents navigate their emotions effectively. By understanding and validating our feelings, we can respond more thoughtfully to our children’s needs. Tune in to Episode 194 of the IMbetween Podcast (wherever you listen to your podcasts or at https://imbetween.org/episode194) for relatable stories and actionable advice on managing emotions in parenting.
•
Follow
🌟 Parenting Tip Alert! Ever find yourself overwhelmed by bursts of anger or frustration with your kids? You’re not alone. In our latest podcast episode, @aliciamichellecoach shares the ADD framework: Acknowledge, Discern, Decide. This three-step method helps parents navigate their emotions effectively. By understanding and validating our feelings, we can respond more thoughtfully to our children’s needs. Tune in to Episode 194 of the IMbetween Podcast (wherever you listen to your podcasts or at https://imbetween.org/episode194) for relatable stories and actionable advice on managing emotions in parenting.
4 weeks ago
View on Instagram |
3/5
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂

Luna was sad to be home all alone after a summer full of cuddles from the kids.
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂

Luna was sad to be home all alone after a summer full of cuddles from the kids.
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂

Luna was sad to be home all alone after a summer full of cuddles from the kids.
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂

Luna was sad to be home all alone after a summer full of cuddles from the kids.
•
Follow
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂 Luna was sad to be home all alone after a summer full of cuddles from the kids.
1 month ago
View on Instagram |
4/5
Thanks to everyone who wished me a happy birthday. You all represent different times and aspects of my life made all the more meaningful and brighter because of your presence. 

My 40s started off with me doing some pretty deep healing, learning to dream again, learning my limits, learning how to say no, learning to ask for what I needed, and learning to listen to my body. It has been a bumpy and beautiful journey.

8 weeks ago, I felt my body start to crave running again. Since my concussion 6 years ago, I haven’t been able to run without it resulting in a massive migraine. Running was not only something I no longer enjoyed, it was an activity that caused me deep pain. I was quite surprised when I felt this urge to run, but I’ve learned to listen to my body. I also knew it had been a LONG time since my feet had hit the pavement in a speed faster than a walk, so I needed to take it slow. I also needed to re-learn how to run. 

I started the Peloton run outdoors program. My first run outdoors was a bit chaotic and quite humorous; I felt completely out of my element and could only run 2 minutes without needing to walk. But, what I would have previously labelled “embarrassing” (which would have led me to quit), felt more like I was honouring what my body was signalling to me. I did not have a headache and it felt good. 

Fast forward 2 months and I finished my Peloton running outdoors program today where I ran 30 minutes straight without walking or stopping…a huge accomplishment as compared to day one. I think I will always be learning how to love and accept my body, but today, I rejoice that I am one step closer.
Thanks to everyone who wished me a happy birthday. You all represent different times and aspects of my life made all the more meaningful and brighter because of your presence. 

My 40s started off with me doing some pretty deep healing, learning to dream again, learning my limits, learning how to say no, learning to ask for what I needed, and learning to listen to my body. It has been a bumpy and beautiful journey.

8 weeks ago, I felt my body start to crave running again. Since my concussion 6 years ago, I haven’t been able to run without it resulting in a massive migraine. Running was not only something I no longer enjoyed, it was an activity that caused me deep pain. I was quite surprised when I felt this urge to run, but I’ve learned to listen to my body. I also knew it had been a LONG time since my feet had hit the pavement in a speed faster than a walk, so I needed to take it slow. I also needed to re-learn how to run. 

I started the Peloton run outdoors program. My first run outdoors was a bit chaotic and quite humorous; I felt completely out of my element and could only run 2 minutes without needing to walk. But, what I would have previously labelled “embarrassing” (which would have led me to quit), felt more like I was honouring what my body was signalling to me. I did not have a headache and it felt good. 

Fast forward 2 months and I finished my Peloton running outdoors program today where I ran 30 minutes straight without walking or stopping…a huge accomplishment as compared to day one. I think I will always be learning how to love and accept my body, but today, I rejoice that I am one step closer.
•
Follow
Thanks to everyone who wished me a happy birthday. You all represent different times and aspects of my life made all the more meaningful and brighter because of your presence. My 40s started off with me doing some pretty deep healing, learning to dream again, learning my limits, learning how to say no, learning to ask for what I needed, and learning to listen to my body. It has been a bumpy and beautiful journey. 8 weeks ago, I felt my body start to crave running again. Since my concussion 6 years ago, I haven’t been able to run without it resulting in a massive migraine. Running was not only something I no longer enjoyed, it was an activity that caused me deep pain. I was quite surprised when I felt this urge to run, but I’ve learned to listen to my body. I also knew it had been a LONG time since my feet had hit the pavement in a speed faster than a walk, so I needed to take it slow. I also needed to re-learn how to run. I started the Peloton run outdoors program. My first run outdoors was a bit chaotic and quite humorous; I felt completely out of my element and could only run 2 minutes without needing to walk. But, what I would have previously labelled “embarrassing” (which would have led me to quit), felt more like I was honouring what my body was signalling to me. I did not have a headache and it felt good. Fast forward 2 months and I finished my Peloton running outdoors program today where I ran 30 minutes straight without walking or stopping…a huge accomplishment as compared to day one. I think I will always be learning how to love and accept my body, but today, I rejoice that I am one step closer.
2 months ago
View on Instagram |
5/5
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