Rachel Cruze is well-known as a personal finance expert as well as the daughter of financial guru Dave Ramsey. The start of her career was at Ramsey Solutions, where she honed her skills in financial education and public speaking.
Later, she continued expanding her influence through various platforms, including books, online content, and speaking engagements. Certified financial coach Rachel Cruze travels all over the country, speaking and sharing practical guidance on getting out of debt, building wealth, and more.
As of 2025, estimated Rachel Cruze Net Worth is $3.5 million. The prominent financial expert, author, and speaker has earned financial standing from her multifaceted career and diverse income streams.
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Bio Details
- Real name: Rachel Cruze
- Net worth: $3.5 million
- Birthday: April 4, 1988
- Birthplace: Tennessee, United States
- Age: 37
- Hometown: Nashville
- Nationality: American
- Website: ramseysolutions.com, rachelcruze.com
Income Avenues and Earnings Generated
Rachel’s income depends on multiple avenues, and in this regard, Rachel Cruze monthly earnings are around $40K to $60K. Yearly earnings are around $480K to $720K.
Sought-after speaker Rachel keeps making enough revenue from sources beyond YouTube channels and podcasts. The relevant income streams and the revenue generated from each of them are as follows:
| Income Avenues | Earnings Generated |
| YouTube (Smart Money Happy Hour, Rachel Cruze, The Ramsey Show) and podcast (Streaming platforms – Spotify, Ramsay Network, Amazon Music, podcasts.apple.com, iHeartRadio) – The Rachel Cruze Show, co-hosting Smart Money Happy Hour, and The Ramsey Show | $15K to $20K a month |
| Book Royalties (including amazon.com/stores/author) | $3K to $5K a month |
| Speaking fees – Speaking Engagements at financial seminars, corporate events, and educational institutions | $3K to $7K a month |
| Online Courses | $7K to $15K a month |
| $1K to $3K per sponsored post | |
| TikTok | $1K to $2K a month |
| Sponsorships, and affiliate marketing | $4K to $6K a month |
Rachel has authored several best-selling books, including Smart Money Smart Kids, Not Theirs, Love Your Life, and Know Yourself, Know Your Money. The publications have contributed significantly to her earnings.
Paid courses on budgeting and financial planning, in addition to planners and journals, significantly boost her earnings.
Renowned financial expert, author, and radio host Rachel Cruze holds a Bachelor of Arts in Communication Studies from the University of Tennessee.
She has been continuing to progress by writing books, hosting The Rachel Cruze Show on YouTube and podcast while also co-hosting Smart Money Happy Hour with friend George Kamel and co-hosting The Ramsey Show (with her dad).
Relationship Status
Personality, Bestselling Author, Speaker, & Host of The Rachel Cruze Show Rachel Cruze has been married to husband Winston Cruze since December 19, 2009. Together, they have three children: Amelia, Caroline, and Charles.
Conclusion
Rachel Cruze teaches people how to get out of debt and win with money. From an early age, Rachel Cruze learned how to give generously, spend wisely, and save for the future. Personal finance speaker and author Rachel Cruze has been continuing to depend on diversified income streams while also using her ability to adapt to digital platforms. As a leading voice in personal finance, Rachel continues to leverage her expertise and diverse income sources to achieve significant financial success.
