Rachel Cruze
- Net worth $8 million
- Status -
- Country United States
- Source(-s) of wealth Author, Radio Talk Show Host
How much is Rachel Cruze Worth? Rachel Cruze Net Worth in 2026
Rachel Cruze’s net worth is estimated at $8 million as of October 2026. Rachel Cruze is an American personal finance author, speaker and co-host of The Ramsey Show, and the daughter of financial radio host Dave Ramsey. Her wealth comes mainly from bestselling money books, a long career at Ramsey Solutions, and live speaking.
| Net worth | $8 million (estimate) |
|---|---|
| Estimated annual income | Not publicly known |
| Born | Date not publicly confirmed |
| Country | United States |
| Known for | Smart Money Smart Kids, Love Your Life, Not Theirs, Know Yourself, Know Your Money, The Ramsey Show |
| Main income sources | Book royalties, Ramsey Solutions role, speaking, podcast and media |
How much is Rachel Cruze worth in 2026?
Rachel Cruze’s net worth is estimated at $8 million in October 2026. No audited figure exists, so this is an estimate built from her visible income streams: three bestselling books, a co-hosting seat on a self-syndicated radio show carried on more than 600 stations, a podcast she hosted for several years, and paid speaking. Online guesses run from about $3 million to $17 million, which is why we sit in the middle to upper part of that spread. Her father’s company wealth is a separate matter and is not counted here.
How Rachel Cruze built it
- Wrote bestselling money books. Her books include Smart Money Smart Kids and Love Your Life, Not Theirs.
- Joined a media company. She built a long career at Ramsey Solutions and co-hosts The Ramsey Show on more than 600 stations.
- Hosted her own podcast. The Rachel Cruze Show ran from 2018 to 2026, alongside paid speaking.
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Get the Alux appRachel Cruze in 2026: what they have been working on
- March 2026: Cruze published a short episode of The Rachel Cruze Show titled “This Isn’t Goodbye,” thanking listeners. The podcast listing shows the show running from 2018 to 2026, so it appears to have wrapped up, though the listing is the only source we found.
- Ongoing: she continues as a co-host of The Ramsey Show, the weekday call-in program on SiriusXM, iHeartRadio and hundreds of stations.
- March 2026: the retrospective episode on the show’s first 13 years looked back at the questions listeners asked most.
- Ongoing: her books remain on sale through the Ramsey store, including Know Yourself, Know Your Money, which centers on seven money tendencies.
How Rachel Cruze makes money
- Books: royalties from Smart Money Smart Kids (written with Dave Ramsey), Love Your Life, Not Theirs and Know Yourself, Know Your Money. No sales totals are public.
- Ramsey Solutions: employment since 2010, with a co-host role on The Ramsey Show since 2020. Pay is not disclosed.
- Podcast and media: sponsorship and network revenue from The Rachel Cruze Show and appearances on other shows.
- Speaking: live events and church and conference talks, fees not published.
What Rachel Cruze teaches (and what to take from it)
Cruze teaches personal finance as a set of habits, not a set of products. Four ideas stand out, each with a practice you can test within a week.
- Know your money tendency. Cruze argues that people handle money in predictable patterns, such as saving, spending or avoiding. Within seven days, write down your last three money decisions and name the pattern behind each.
- Compare less. Her book Love Your Life, Not Theirs takes on the pull to match friends and neighbors. By Friday, pick one purchase you made to keep up and decide whether you would make it again.
- Give every dollar a job. Budgeting is the base of the Ramsey method. Try this soon: set aside 20 minutes to assign next month’s income to categories before the month begins.
- Teach money early. Smart Money Smart Kids is built on kids earning, saving and giving. In the next few days, hold one short money conversation with a child or younger relative, and share one mistake you made.
Career timeline
- 2010: Cruze joins Ramsey Solutions.
- May 2014: Smart Money Smart Kids, written with Dave Ramsey, appears on a New York Times bestseller list.
- 2016: Love Your Life, Not Theirs is released, billed by its publisher as a number one New York Times bestseller.
- 2018: The Rachel Cruze Show podcast begins, according to the podcast listing.
- 2020: She becomes a co-host of The Ramsey Show.
- January 2021: Know Yourself, Know Your Money is released.
- March 2026: she publishes “This Isn’t Goodbye” on her podcast feed.
Early life and background
Rachel Cruze grew up as the daughter of Dave Ramsey and Sharon Ramsey in Tennessee. One biography describes her as a communications graduate of the University of Tennessee, though we found that in a single source. She joined the family company in 2010 and moved from working behind the scenes to speaking, writing and hosting. Her exact birth date has not been confirmed in the sources we reviewed.
Rachel Cruze net worth FAQ
What is Rachel Cruze’s net worth?
The estimate is $8 million as of October 2026. It is an estimate, because she has not disclosed her finances.
How does Rachel Cruze make money?
She earns from book royalties, her Ramsey Solutions role, radio co-hosting, podcast revenue and speaking engagements.
How old is Rachel Cruze?
Her birth date is not confirmed in the public sources we reviewed, so we do not state an age.
What is Rachel Cruze known for?
Personal finance books and a seat on the Ramsey radio program made her a household name for budgeting advice.
What is Rachel Cruze’s best-known book?
Love Your Life, Not Theirs is her best-known solo book, and her publisher calls it a number one New York Times bestseller. Smart Money Smart Kids, written with Dave Ramsey, is also widely read.
How is Rachel Cruze’s net worth estimated?
We combine her book output, her long role at Ramsey Solutions, media work and speaking, then weigh the wide range of public guesses.
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How we estimate net worth
Our estimates are based on public reporting, company valuations, and deal and earnings figures all compiled in an internal valuation model. They are approximate, and figures change over time as new information emerges.
Last updated: October 2026.