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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.

Instagram

Some #spotify wins for the IMbetween podcast this past year. Thanks to all of our listeners and Podcast Family for journeying with us and trusting us with your time. 

Our podcast started out as a dream to help build strong marriages and families because when we were hurting the most (that 7 year struggle is real!) and couldn’t afford therapy, we didn’t know where to turn. We didn’t want anyone else to feel the same way, so we created a place and space where people could listen and learn in a safe environment. 

We have learned and grown so much since that first episode drop 7 years ago. In many ways, we’ve grown up together and watched our kids grow up too. It has been a blessing to walk this road together. Cheers to 2026 and all that it brings. 

Much Love,
Daniel and Christina 

#PodcastFamily #PodcastCommunity #ThankYouListeners #GratefulHeart #SevenYearsStrong  #GrowingTogether #christianmarriage #marriagepodcast #spotifywrapped #marriagehelp #imbetweenpodcast #PodcastWins #PodcastMilestones #PodcastersOfInstagram #PodcastersUnite #SpotifyPodcasts
Some #spotify wins for the IMbetween podcast this past year. Thanks to all of our listeners and Podcast Family for journeying with us and trusting us with your time. 

Our podcast started out as a dream to help build strong marriages and families because when we were hurting the most (that 7 year struggle is real!) and couldn’t afford therapy, we didn’t know where to turn. We didn’t want anyone else to feel the same way, so we created a place and space where people could listen and learn in a safe environment. 

We have learned and grown so much since that first episode drop 7 years ago. In many ways, we’ve grown up together and watched our kids grow up too. It has been a blessing to walk this road together. Cheers to 2026 and all that it brings. 

Much Love,
Daniel and Christina 

#PodcastFamily #PodcastCommunity #ThankYouListeners #GratefulHeart #SevenYearsStrong  #GrowingTogether #christianmarriage #marriagepodcast #spotifywrapped #marriagehelp #imbetweenpodcast #PodcastWins #PodcastMilestones #PodcastersOfInstagram #PodcastersUnite #SpotifyPodcasts
Some #spotify wins for the IMbetween podcast this past year. Thanks to all of our listeners and Podcast Family for journeying with us and trusting us with your time. 

Our podcast started out as a dream to help build strong marriages and families because when we were hurting the most (that 7 year struggle is real!) and couldn’t afford therapy, we didn’t know where to turn. We didn’t want anyone else to feel the same way, so we created a place and space where people could listen and learn in a safe environment. 

We have learned and grown so much since that first episode drop 7 years ago. In many ways, we’ve grown up together and watched our kids grow up too. It has been a blessing to walk this road together. Cheers to 2026 and all that it brings. 

Much Love,
Daniel and Christina 

#PodcastFamily #PodcastCommunity #ThankYouListeners #GratefulHeart #SevenYearsStrong  #GrowingTogether #christianmarriage #marriagepodcast #spotifywrapped #marriagehelp #imbetweenpodcast #PodcastWins #PodcastMilestones #PodcastersOfInstagram #PodcastersUnite #SpotifyPodcasts
•
Follow
Some #spotify wins for the IMbetween podcast this past year. Thanks to all of our listeners and Podcast Family for journeying with us and trusting us with your time. Our podcast started out as a dream to help build strong marriages and families because when we were hurting the most (that 7 year struggle is real!) and couldn’t afford therapy, we didn’t know where to turn. We didn’t want anyone else to feel the same way, so we created a place and space where people could listen and learn in a safe environment. We have learned and grown so much since that first episode drop 7 years ago. In many ways, we’ve grown up together and watched our kids grow up too. It has been a blessing to walk this road together. Cheers to 2026 and all that it brings. Much Love, Daniel and Christina #PodcastFamily #PodcastCommunity #ThankYouListeners #GratefulHeart #SevenYearsStrong #GrowingTogether #christianmarriage #marriagepodcast #spotifywrapped #marriagehelp #imbetweenpodcast #PodcastWins #PodcastMilestones #PodcastersOfInstagram #PodcastersUnite #SpotifyPodcasts
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Listen to Episode 198 wherever you get your podcasts, or here https://imbetween.org/episode198/

#parenting #disciplemaking #discipleship #christcenteredhome
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In a compelling analogy from Episode 198 of our IMbetween Podcast, our guest @davidsunde describes parents as “tour guides” rather than “travel agents” in their children’s faith journeys. Unlike travel agents who arrange logistics from afar, tour guides walk with their children through every high and low. This metaphor highlights the importance of presence and shared experiences in nurturing faith. By being there for the everyday moments, parents can provide authentic guidance and support, much like God’s nature as Emmanuel—“God with us.” It’s an insightful shift in perspective that’s worth reflecting on. Listen to Episode 198 wherever you get your podcasts, or here https://imbetween.org/episode198/ #parenting #disciplemaking #discipleship #christcenteredhome
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Ever wonder why we turn to quick fixes when we’re stressed or exhausted? In Episode 197 of the IMbetween Podcast, @chris3janssen explains that numbing behaviors like reaching for sugary treats or alcohol provide immediate relief but often at a significant cost. 

We discuss a powerful exercise from her book, “Grace Yourself,” that helps individuals evaluate these numbing patterns and consider healthier alternatives. It’s about gaining awareness and making intentional choices to support our well-being. 

Tune in wherever you listen to your podcasts, or here @ https://imbetween.org/episode197
•
Follow
The Role of Numbing Behaviors 🤔🫨 Ever wonder why we turn to quick fixes when we’re stressed or exhausted? In Episode 197 of the IMbetween Podcast, @chris3janssen explains that numbing behaviors like reaching for sugary treats or alcohol provide immediate relief but often at a significant cost. We discuss a powerful exercise from her book, “Grace Yourself,” that helps individuals evaluate these numbing patterns and consider healthier alternatives. It’s about gaining awareness and making intentional choices to support our well-being. Tune in wherever you listen to your podcasts, or here @ https://imbetween.org/episode197
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Did you know that despite growing awareness of mental health, anxiety and depression rates in children and adolescents have sharply risen? 

In episode 196 of the @imbetweenshow podcast, @sarahboyd, author of Turn Down the Noise, discusses how overstimulation in our environment could be a key factor. 

Just like a garden needs the right conditions to thrive, so do our minds. It’s about adjusting our surroundings to create supportive spaces for everyone, especially our kids. 🌱📘 

Listen wherever you get your podcasts, or by going to https://imbetween.org/episode196/

#MentalHealth #Overstimulation #Parenting
•
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Did you know that despite growing awareness of mental health, anxiety and depression rates in children and adolescents have sharply risen? In episode 196 of the @imbetweenshow podcast, @sarahboyd, author of Turn Down the Noise, discusses how overstimulation in our environment could be a key factor. Just like a garden needs the right conditions to thrive, so do our minds. It’s about adjusting our surroundings to create supportive spaces for everyone, especially our kids. 🌱📘 Listen wherever you get your podcasts, or by going to https://imbetween.org/episode196/ #MentalHealth #Overstimulation #Parenting
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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/
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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!
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!
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@imbetweenshow

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Hello Instagram

Some #spotify wins for the IMbetween podcast this past year. Thanks to all of our listeners and Podcast Family for journeying with us and trusting us with your time. 

Our podcast started out as a dream to help build strong marriages and families because when we were hurting the most (that 7 year struggle is real!) and couldn’t afford therapy, we didn’t know where to turn. We didn’t want anyone else to feel the same way, so we created a place and space where people could listen and learn in a safe environment. 

We have learned and grown so much since that first episode drop 7 years ago. In many ways, we’ve grown up together and watched our kids grow up too. It has been a blessing to walk this road together. Cheers to 2026 and all that it brings. 

Much Love,
Daniel and Christina 

#PodcastFamily #PodcastCommunity #ThankYouListeners #GratefulHeart #SevenYearsStrong  #GrowingTogether #christianmarriage #marriagepodcast #spotifywrapped #marriagehelp #imbetweenpodcast #PodcastWins #PodcastMilestones #PodcastersOfInstagram #PodcastersUnite #SpotifyPodcasts
Some #spotify wins for the IMbetween podcast this past year. Thanks to all of our listeners and Podcast Family for journeying with us and trusting us with your time. 

Our podcast started out as a dream to help build strong marriages and families because when we were hurting the most (that 7 year struggle is real!) and couldn’t afford therapy, we didn’t know where to turn. We didn’t want anyone else to feel the same way, so we created a place and space where people could listen and learn in a safe environment. 

We have learned and grown so much since that first episode drop 7 years ago. In many ways, we’ve grown up together and watched our kids grow up too. It has been a blessing to walk this road together. Cheers to 2026 and all that it brings. 

Much Love,
Daniel and Christina 

#PodcastFamily #PodcastCommunity #ThankYouListeners #GratefulHeart #SevenYearsStrong  #GrowingTogether #christianmarriage #marriagepodcast #spotifywrapped #marriagehelp #imbetweenpodcast #PodcastWins #PodcastMilestones #PodcastersOfInstagram #PodcastersUnite #SpotifyPodcasts
Some #spotify wins for the IMbetween podcast this past year. Thanks to all of our listeners and Podcast Family for journeying with us and trusting us with your time. 

Our podcast started out as a dream to help build strong marriages and families because when we were hurting the most (that 7 year struggle is real!) and couldn’t afford therapy, we didn’t know where to turn. We didn’t want anyone else to feel the same way, so we created a place and space where people could listen and learn in a safe environment. 

We have learned and grown so much since that first episode drop 7 years ago. In many ways, we’ve grown up together and watched our kids grow up too. It has been a blessing to walk this road together. Cheers to 2026 and all that it brings. 

Much Love,
Daniel and Christina 

#PodcastFamily #PodcastCommunity #ThankYouListeners #GratefulHeart #SevenYearsStrong  #GrowingTogether #christianmarriage #marriagepodcast #spotifywrapped #marriagehelp #imbetweenpodcast #PodcastWins #PodcastMilestones #PodcastersOfInstagram #PodcastersUnite #SpotifyPodcasts
•
Follow
Some #spotify wins for the IMbetween podcast this past year. Thanks to all of our listeners and Podcast Family for journeying with us and trusting us with your time. Our podcast started out as a dream to help build strong marriages and families because when we were hurting the most (that 7 year struggle is real!) and couldn’t afford therapy, we didn’t know where to turn. We didn’t want anyone else to feel the same way, so we created a place and space where people could listen and learn in a safe environment. We have learned and grown so much since that first episode drop 7 years ago. In many ways, we’ve grown up together and watched our kids grow up too. It has been a blessing to walk this road together. Cheers to 2026 and all that it brings. Much Love, Daniel and Christina #PodcastFamily #PodcastCommunity #ThankYouListeners #GratefulHeart #SevenYearsStrong #GrowingTogether #christianmarriage #marriagepodcast #spotifywrapped #marriagehelp #imbetweenpodcast #PodcastWins #PodcastMilestones #PodcastersOfInstagram #PodcastersUnite #SpotifyPodcasts
4 days ago
View on Instagram |
1/5
In a compelling analogy from Episode 198 of our IMbetween Podcast, our guest @davidsunde describes parents as “tour guides” rather than “travel agents” in their children’s faith journeys. Unlike travel agents who arrange logistics from afar, tour guides walk with their children through every high and low. This metaphor highlights the importance of presence and shared experiences in nurturing faith. By being there for the everyday moments, parents can provide authentic guidance and support, much like God’s nature as Emmanuel—“God with us.” It’s an insightful shift in perspective that’s worth reflecting on.

Listen to Episode 198 wherever you get your podcasts, or here https://imbetween.org/episode198/

#parenting #disciplemaking #discipleship #christcenteredhome
•
Follow
In a compelling analogy from Episode 198 of our IMbetween Podcast, our guest @davidsunde describes parents as “tour guides” rather than “travel agents” in their children’s faith journeys. Unlike travel agents who arrange logistics from afar, tour guides walk with their children through every high and low. This metaphor highlights the importance of presence and shared experiences in nurturing faith. By being there for the everyday moments, parents can provide authentic guidance and support, much like God’s nature as Emmanuel—“God with us.” It’s an insightful shift in perspective that’s worth reflecting on. Listen to Episode 198 wherever you get your podcasts, or here https://imbetween.org/episode198/ #parenting #disciplemaking #discipleship #christcenteredhome
2 weeks ago
View on Instagram |
2/5
The Role of Numbing Behaviors 🤔🫨

Ever wonder why we turn to quick fixes when we’re stressed or exhausted? In Episode 197 of the IMbetween Podcast, @chris3janssen explains that numbing behaviors like reaching for sugary treats or alcohol provide immediate relief but often at a significant cost. 

We discuss a powerful exercise from her book, “Grace Yourself,” that helps individuals evaluate these numbing patterns and consider healthier alternatives. It’s about gaining awareness and making intentional choices to support our well-being. 

Tune in wherever you listen to your podcasts, or here @ https://imbetween.org/episode197
•
Follow
The Role of Numbing Behaviors 🤔🫨 Ever wonder why we turn to quick fixes when we’re stressed or exhausted? In Episode 197 of the IMbetween Podcast, @chris3janssen explains that numbing behaviors like reaching for sugary treats or alcohol provide immediate relief but often at a significant cost. We discuss a powerful exercise from her book, “Grace Yourself,” that helps individuals evaluate these numbing patterns and consider healthier alternatives. It’s about gaining awareness and making intentional choices to support our well-being. Tune in wherever you listen to your podcasts, or here @ https://imbetween.org/episode197
1 month ago
View on Instagram |
3/5
Did you know that despite growing awareness of mental health, anxiety and depression rates in children and adolescents have sharply risen? 

In episode 196 of the @imbetweenshow podcast, @sarahboyd, author of Turn Down the Noise, discusses how overstimulation in our environment could be a key factor. 

Just like a garden needs the right conditions to thrive, so do our minds. It’s about adjusting our surroundings to create supportive spaces for everyone, especially our kids. 🌱📘 

Listen wherever you get your podcasts, or by going to https://imbetween.org/episode196/

#MentalHealth #Overstimulation #Parenting
•
Follow
Did you know that despite growing awareness of mental health, anxiety and depression rates in children and adolescents have sharply risen? In episode 196 of the @imbetweenshow podcast, @sarahboyd, author of Turn Down the Noise, discusses how overstimulation in our environment could be a key factor. Just like a garden needs the right conditions to thrive, so do our minds. It’s about adjusting our surroundings to create supportive spaces for everyone, especially our kids. 🌱📘 Listen wherever you get your podcasts, or by going to https://imbetween.org/episode196/ #MentalHealth #Overstimulation #Parenting
2 months ago
View on Instagram |
4/5
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/
3 months ago
View on Instagram |
5/5
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