30 Minute Money Habits That Can Transform Your Finances

[@carennorthcutt7724]

A thing I currently do is a "no spend" day. I also try not to drive that day. Gets me out of the habit of buying inconsequential purchases or driving on errands b/c I'm bored. Time spent better decluttering or doing laundry.

[@BrownBaitCo]

I am 16 years old and you and dave have taught me SOOOO much I have $5000 in the bank! I will invest some of it and put some of it into a retirement fund! AND I am debt free with 2 jobs and running a full time business!!! Thank you guys!!!!!!!!!

[@Pandorash8]

If I want to buy something, I tell myself, “tomorrow.” And then the next day I say, “tomorrow.” And I keep doing that until the feeling passes or, I really do decide that we need it.

[@hirenpatel7549]

1. Open savings acc..( emergency fund) BB ST 1 2. Research your salary range 3. Creat a budget 4. Wait 24 hour before any purchase 5. Term life insurance quote 6. Check your credit report 7. List out all your debt 8. Meal planning 9. Rad or listen money related to money every week 10. Shop insurance rates every year 11. Cancel your credit card

[@LauriefromCA]

Thank you! I do all of these except meal plan. It's just me and my guy so I haven't developed this habit fully...yet. Just breakfast and lunch are pre-planned. Dinner is off the cuff...

[@evalina98000]

Mahalo nui loa from 🌊🌴

[@lisanorris7436]

Meal plans are great , start by shopping in your fridge,pantry and freezer so your using things up before they go bad. Then make your list for the rest of what you need for the week and lastly stick to your list. Meal plans that are written up and on display also stop the endless what's for dinner questions .

[@TheDominion37]

Payscale was a great reference point. Thanks for the useful information.

[@leeannmartin5235]

Thank you, Rachel!! Always great information!! So appreciated!!

[@SafiullahWasiullah]

Exactly Rachel, love ur videos and ideas.

[@SafiullahWasiullah]

@The Rachél Cruze Show fake ... bitcoin scam...

[@Jasperhudierez]

Thank you Rachel

[@Jasperhudierez]

Thank you

[@kimp7575]

I really liked the payscale advice!! Any way you can do a video listing a couple of lucrative careers that don’t require a college degree?

[@truthseeker6370]

Online savings accounts are the way to go vs Money Market accounts. Money Market accounts have ridiculous tiers before any significant interest is earned.

[@jeffdorris5321]

Nice work ✨🎇🎆

[@ciannacoleman5125]

Keep in mind most people only need life insurance if you have people dependent on you and/or you are married

[@christinah9954]

Well, they need something pay for funeral expenses so I’d do a 10k or 20k policy at the very least. I was a nurse and boy it was sad to see family not prepared financially to bury a loved one.

[@ZachMurtaugh]

Hey while starting your emergency fund do you suggest a money market account or just a regular savings?

[@rustyshackleford7285]

Either is fine, you aren’t trying to make anything off of it. Just make sure it isn’t easily accessible. Don’t have a debit card attached to it, or if you do have one, put it somewhere that makes it difficult to get it.

[@itssricaa96]

Check your credit report once a year ? I definitely check mine once a month lol

[@MyEnemy]

You could've been a great therapist... actually, you are!

[@mariacarrillo6580]

What is a term insurance?

[@rustyshackleford7285]

Life insurance where you agree to pay for a certain length of time or “term” for a certain amount of coverage if you died. For example you agree to pay $30month for 10 years for 250k in life insurance.