10 Things to Do Differently With Your Money in 2021 

1. Budget 2. Stop using debt 3. Get an emergency fund 4. Stay the course w/ investing 5. Find ways to spend less 6. If married, combined checking accounts. (Dave has a rant here) 7. Get on same page with spouse goals and fears 8. Stop comparing yourself to others 9. Focus on your behavior 80% results are based on behavior. Another rant here. 10. Live on less than you make.

When I first heard Dave I thought he was nuts. Now 3yrs later my life is completely different. Was $11k in credit card debt Now zero and cut it up Was paying rent Now paid cash for my “mini mansion” Was broke Now $49,000 in savings and growing. Thx Dave.

I know this is off topic, but it is remarkable to see a father and his child working and laughing together. Those with healthy relationships with their parents forget just how rare this is.

I payed off my last credit card debt in Dec 2020. It felt good.. It took me 2 years to pay off $13k, but it's done and I'm not going back.

For those scared to combine finances with their spouse, heres my story: Hubby came into marriage understanding investing but no self-discipline, so had consumer debt and no extra to actually invest. I came in with super self-discipline but my money sat in dead-end bank accounts and in the "sock drawer" not growing. Now after working through our differences and talking through our plan, creating budget etc etc we now have a net worth of almost a million dollars. (and we are in not highly paid careers) No chance either of us would be here if we managed money apart! Together we are winning!

"if you wanted to be independent and stand on your own, you shouldn't have freaking got married." wow that hit differently. awesome video Rachel!!

I thought Dave looked thinner lately, and now I hear him say it. Way to go Dave! You're an example of not only taking control of your money, but of your health too.

I got serious when I found Dave Ramsey and he opened my eyes to the mess I and only I was creating. He changed my life forever. Thank you, Sir!

Such a dynamic duo! "If you're broke friends are making fun of your financial plan... you're on the right track!" Great quote.

Paid off my last Credit card Dec 30th 2021. It took 2.5 years to dig out of 49k! I worked a part time job and assigned a good chunk of my paychecks to those Credit cards. Now working on my student loans! Time to knock that out. It feels so good to get those credit cards off my back.

1:33 1. Budget 3:00 2. Stop using debt 4:40 3. Get serious about saving (have an emergency fund) 6:03 4. Stay the course w/ investing 7:15 5. Find ways to spend less 8:00 6. If married, combined checking accounts. (Dave has a rant here) 10:56 7. Get on same page with spouse goals and fears 12:30 8. Stop comparing yourself to others 14:55 9. Focus on your behavior 80% results are based on behavior. Another rant here. 17:40 10. Live on less than you make.

The quality of this content is incredible. Every human on earth should watch this.

“It’s not going to be easy. Ever.” It gets easier as you “do it” more and more!

I love all the good, down to earth advice that really works. I just saved $37 by calling my auto policy and cell phone companies to complain about their rising fees and they both lowered their rates to keep me as a paying customer. I would add: Check your bills and accounts often for errors and hikes in auto pays! I love Dave and Rachel. Thank you so much!

Started budgeting in Dec 2020. I does help me to spend less money and think about what I need to pay. God help me to keep it up! Happy New Year 2021!

"Quit trying to be roommates when you are married." Tell it, Dave.

"If your broke friends are making fun of your financial plans, you're on track" only Dave Ramsey. Love it!!!

I love that dad of yours. He was one of many that saved my life-in the financial disaster I was in. In his gentle, honest, firm mannerism he swooped in like a knight in shining armor. Dave Ramsey well the word respect comes to mind.

My favorites here: 1. Live on less than you make. 2. Develop your savings muscle 3. Stop comparing yourself to others. Shared video.👌💟

I used the advice from Dave last year and now we are debt free and have an emergency fund and investment savings - thanks Dave

My financial goal this year is to max out on 401k and IRA, change job and get to a six figure salary finally. Hoping to raise my net worth to 200k. Let's go!!

I can't believe how much money I've saved by ordering my groceries online and going to the pickup. I don't spend extra on those impulse buys. I make a grocery list according to what we need in our home and then only buy those items. I used to spend anywhere from $200-$300 per week on groceries and consumables. And my budget has always been $125.00 - no more than $150.00. Ha! That never happened! Now, just today.... I only spent $140.00! $10.00 under my max budget! That's a win for me!!!

This the last month I will have a car note. Ty Jesus.

I am so thankful that I found you guys, I wish I could express how much financial peace university has help me and my family to be debt free. It is the best feeling in the world. Than you so so so much. Best wishes for 2021.

Such a great team! Dave helps us see the stupidity of our selfish decisions and Rachel helps us have compassion!

my retirement savings bottomed out at 66k. end of the year they were up to 102k. glad I stayed the course

When I made a financial commitment to myself...I felt stronger and I didn't care how others felt.

“Happen to life don’t let life happen to you” it’s one of my favorite quotes for living an intentional life. It’s not always easy living intentionally but it’s so worth it!

My husband struggled with comparing to others. Our neighbors were getting deliveries everyday. I told him, you don’t know if they are using debt. I reminded him of our dreams. The next week another delivery came. I asked are you all remodeling? He said yes but now he is struggling because of the bills. After he went back inside, my husband said your right again. Lol I said all that is important is we are on track

Love seeing Dad Ramsey. His tone changes a little bit with his daughter.

Financial advice = marriage advice! Amen! The 2 become 1. If you can't trust each other with $, you can't trust each other period

I love to see a family work together. It gives me hope.

My husband and I are in full gazelle mode and on track to pay off $22,000 on our last debt! We have a family of 6, on a strict budget and we CAN NOT WAIT to do the debt free scream one day!!

Dave, you are so right, Marriage is a combined life, not just roommates.

Why would anyone compare themselves to other people? Love who you are! I agree, love your life, not theirs.

You guys are amazing, THANKS a million times for changing our lives for the better, currently working on baby step 6 and I'm glad that my husband and I combined our finances in December and hearing this message my heart is filled with joy knowing that I got this one covered, God bless you with more wisdom to continue to inspired people to change their ways to help not only themselves, their marriage their families and to help others, my new motto will be to remind myself that I'M NOT A FOOL 🙈🤣 Happy 2021 you guys ❤️🙏 Love and Blessings from New Zealand.

#1 - budget #2 - NO to debt #3 - save! #4 - stay the course investing #5 - find little ways to spend less #6 - combine checking accounts (married) #7 - get on the same page as spouse #8 - stop comparing to others #9 - focus on your behavior #10 - live on less than you make

Amazing 2021 kick off episode , these ppl changed my money life thx 🙏🏻

Yes! Dave’s words on marriage. Truth 🙌

Rachel and Dave Ramsay Thank you for this New Year video. Yes, I will continue challenge myself to stay focused. New year and New plans.

My daughter’s just 2 and a half months old right now. I can only imagine how incredible Dave must feel 👍

The simplest advice I can take ATM is to keep investing, but invest smartly. I've been going a bit more aggressive for a few months now and my 1 year old portfolio has smashed $450k in value from an initial allocation of $180k. Learn to diversify and DIY or get a professional help. However investing has no one way to it

Yay for combined accounts! Definitely agree! It's so weird when I hear totally committed couples talk about how they split their bills and try to make things equitable. Seems like so much work!

Thank you both for changing people's perspective on budgeting and saving.

I completely agree on combining chequing accounts!!! My husband and I did this from day one. In addition, my spouse and I give each other the same monthly allowances. We can save or spend it on whatever we chose with no judgement.

Reinforce my change, stay the course we can do it. When I was in the military the old veterans would say most of the stuff you buy now you won't need, focus on your needs.

Paid off $58k in 8 months!! Thanks to u guys!!

So grateful to your dad found him last yr and really buckled down with money ,budgeting debt and now as of February will be debt free .

Love this! Not only you're out to help people with their money you're out to save relationships and teaches that we can work together on this! Thank you Dave Rachel!

It's always endearing to see how compounding works even in family upbringing.

Thank you very much! HAPPY NEW YEAR!

Love this..... bringing such awareness to my spending habits and what drives my spending... and now, what inspires my saving.

No cable for tv ..saving 140 month

I love how Dave sees his daughter. Proud Dad! Love it!

Thanks to you, our life has changed! Thanks a lot!!❤❤❤❤

I love the teachings here, thank you.

I noticed that spenders always want to combined finances with savers. It’s not always black and white.

I’m on baby step 7. Paid off the house in 2020. I encourage you to keep following the steps. A key thing was asking myself “what is financial Peace?” What does it mean to me? Having my house paid off and a bunch of money in investments that are growing creates a feeling of peace. I had to stop the rock-n-roll lifestyle many years ago. A strategy I used was to reduce my expenditures to as little as I could to create more financial peace. I now have 1. Electric bill. 2. Natural gas bill. 3. Water/sewage. 4. Garbage bill. 5. Property tax. 6. Internet. 7. Cell phone bill. 8. Home owners insurance. 9. Auto insurance. 10. Food. 11. Gasoline. That’s it. These are the monthly reoccurring expenses basically. Things like gifts, clothes, a home repair, car repair/maintenance are usually 1 or 2 time per year costs. You can pull from investments or sinking funds. But, I did eliminate things like cable bill, all monthly subscriptions, gym memberships, and some other costs that were not bringing me peace. I now can afford to do or buy almost anything I need or want. However, at baby step 7 ... I still ask does this purchase really bring me peace or stress? Sometimes I say yes to the purchase but many times it’s no. I guess it does help to simplify things to a good degree so that you don’t have to worry about all these things and demands in your life. Especially if they don’t ultimately bring you calm and peace. Eliminate the stress my friends. Cheers to you 🍺

I love the different dynamics between you two 😂

Such a great episode!!! Love seeing you two together!!

Great episode. I love it when they are doing a segment together.

Finding FPU was the best thing that happen to us in 2020 and then listen to all of Dave's personalities on here and radio..

You guys changed my life in 2020. Thank you 🙏

This was a great chat with you and your Dad Rachel. Thanking God for finding you in 2005 when I first got married. I continued on and my husband fell off...that is okay because I know this works and I am in a far better place than I could be.

SOMETHING THAT RESONATED WITH ME ABOUT SAVINGS THIS MARQUEE I SAW : MAKING SOUND FINANCIAL DECISIONS AND BEING DISCIPLINED IS HARD BUT BEING BROKE IS HARD!!🙏🙏

Thank you to Rachel Cruze, Dave Ramsey and Chris Hogan for giving me to motivation to take responsibility for my financial future. I paid off the rest of my student loans the other day. I wanted to get rid of it. I'm not going to wait for the government to forgive my loans if that ever happens. I got my stimulus check this morning and deposited it to my IRA account. I rarely shop at Sephora nowadays. I only shop at Sephora to only replace a product that's used up.

Great way to start a new year! Nice to see you two. My wife and I are doing GREAT after Financial Peace University. :)

Thank you Dave and Rachel!

Thank you Dave! Ur vidoes have inspired me alot!

We get Grace, Amen Thank you for your honesty!

So amazing both !!! loooove it !!! cheers from Spain !!! what a bless to see a daughter and father dynamic like that .

Thank you for you message of hope that will come with change. I've been following Dave Ramsey for 15+ years and have introduced my brother and sister in law and husband to these principles which we all practice. We saw Dave in Las Vegas 5 years ago. Thanks so much to Dave for sharing these principles in an affordable way and for Rachel's soft presence in sharing a feminine take on leveling up in financial fitness!

Great information Rachel!

Love Dave Ramsey and his daughter Rachel Cruze! My best part is when he starts using bible verses to get a point across!

I will attest..!! It works .. I had 70k plus debt last yr and next to nothing saved. I now have no debt ..including my house.!! And close to 200k invested in the market. Went with a Dave Ramsey pro and got 30% on my money invested. It works !! Im 51 now and wish I had learned this sooner. But never to late!!

Thank you to both of you.

Excellent! Love Rachel too!! Dave is awesome too! Dave is the best because of his maturity but Rachel knows the game

Great video!! Thanks for the tips!!

I agree with previous post....I got ALOT from this video..thank you.....BUT....what touched me the most is SEEING the father daughter dynamic. That somehow taught me more than the actual content. Love you guys. One day I'll meet y'all.

Beautiful thank you for such an empowering show. Thank you so much.

Watching the growth of stocks and financial assets in few years. Everyone should start investing pronto

I combined me and my spouses accounts and it ruined us financially. My spouse financial maturity is non existent. How are you supposed to combine with someone like that?

Loved that rant about marriage!! Spot on!!

Wow,thanks so much! 🎄🙌☃️💖💝🙏👍🤗

just planned the best surprise party for my mom and gave the best speech i've ever given because of this video, thanks for your help sir! the best way to start progressing in life is by saving money, i promise nothing brings the confidence level up like a good finance believe me!! i'm taking her to hawaii afterwards will tell you how the trip went

Social media may show a person who has more than you but they don’t show you their level of debt, relational suffering, or poor health. Social media is our desire for showing the best of our life not the cost.

My mum is on social security and kept saying I want to get a credit card to have an emergency fund, and I taught her that using a credit card as an emergency fund is not a good idea as you have to pay interest on it to the bank, but if you have an emergency fund in a bank account, while small you will accrue interest on it. Thankfully when the Australian government gave those on social security extra money over the last 12 months my mum took my advice and saved over $2000 in an emergency fund. I was so proud of her 😊

Hi Rachel! I started following your dad this year because COVID destroyed my husbands industry. We took a $4000 a month pay cut. We are selling our house to pay down our debt & are just beginning the getting debt free process. So glad to begin this journey & I appreciate your family's guidance.

I love Dave Ramsay's cash envelopes system

Happy New Year Ramseys & Cruzes!!

I love both of you together. Rachel has grown into her own person and it is so cool. I enjoy watching calls with both of you on them.

Thanks for your videos. I would love to see some of them in Spanish, at least the basics, like baby steps. I've learned a lot from you and I would love to share them with my boyfriend and our families but its juts not the same when I translate than when they can watch them from the source. Happy 2021.

Still struggled with a budget so I set up separate accounts for the areas that we tend to over spend.

I love the fact your dad is on the show, I’ve learnt so much from him

If you're married to a spender - you find yourself in a perpetual financial hole because of his or her $ habits

You know, even though I am doing all of these things and am on a good path, I need these reminders.

Well these are so good. Changing habits regarding money this 2021!

Love Dave Ramsey rants ! He’s the best ❤️

Me and my spouse have a joint account for all joint expenses as well as individual accounts. We both make the exact same amount. So far this works well for us. I would like more tips on having a joint account.

When I THINK I'm on a budget Rachel says, "Get on a BUDGET!" Then I'm like, "Ohhhhhhhhhh you meant budget, budget." 🤔