Rachel Cruze has carved out her own space in the world of personal finance, following in the footsteps of her father, Dave Ramsey. But Rachel is more than just “Dave Ramsey’s daughter”—she’s a successful author, speaker, and influencer with a growing empire of her own. So, what is Rachel Cruze’s net worth today? Let’s dig into the numbers, how she built her wealth, and what drives her financial success.
What Is Rachel Cruze’s Net Worth in 2025?
As of 2025, Rachel Cruze’s estimated net worth is between $3 million and $5 million, based on industry reports, book sales data, and estimated speaking fees. While this is significantly lower than her father’s net worth, Cruze has steadily built a solid financial base through multiple income streams, all while staying true to her family’s debt-free legacy.
How Rachel Cruze Built Her Wealth
Early Life and Influence
Raised in a household obsessed with financial literacy, Cruze was introduced to money principles early. By the time she was in college, she was already speaking at events, spreading the message of debt-free living and intentional spending. These early experiences helped her develop a polished speaking style and a relatable approach, focusing particularly on millennials and Gen Z audiences.
Books and Bestsellers
Rachel Cruze’s writing career has been a key driver of her income and influence. She has authored several best-selling books that have positioned her as a leading voice in behavior-based personal finance. Her first major success came with “Smart Money Smart Kids,” co-authored with her father, Dave Ramsey, which became a New York Times bestseller and introduced her to a broader audience.
She followed up with “Love Your Life, Not Theirs,” where she tackled the rising issue of comparison culture, social media pressures, and their dangerous impact on spending habits. Her most recent book, “Know Yourself, Know Your Money,” dives deeper into the psychological triggers behind financial decisions, teaching readers to recognize their personal money tendencies and how those patterns affect their budgeting and spending.
Collectively, these books have sold over 500,000 copies worldwide, according to industry estimates. In addition to direct book royalties, they have opened doors for Cruze in the speaking circuit, podcast interviews, brand sponsorships, and online courses. The books also serve as lead magnets to her broader business ecosystem, funneling readers into Ramsey Solutions products, digital content, and events.
Speaking Engagements and Events
Beyond book sales, public speaking is a major income stream for Rachel Cruze. She is a featured speaker at Ramsey Solutions flagship events, including Smart Conference and Business Boutique, where she connects directly with thousands of attendees. She also speaks at corporate leadership events, financial literacy summits, and private workshops, offering insights on money behavior, family budgeting, and overcoming comparison traps.
Her speaking fees are reported to range between $20,000 and $30,000 per appearance, depending on the event’s size and format. Between internal events and external bookings, Cruze is estimated to generate well into the six-figure range annually from speaking alone. These engagements also fuel her personal brand, expanding her reach and attracting sponsorships and partnerships with financial services, brands, and media platforms.
Podcasting and Digital Media
Rachel Cruze hosts The Rachel Cruze Show, a podcast and YouTube channel where she shares financial advice, interviews, and Q&A sessions. With a growing subscriber base and steady sponsorship deals, these digital platforms serve both as brand extensions and additional revenue streams.
Ramsey Solutions Role
As a key figure at Ramsey Solutions, Cruze contributes to the company’s media products, course development, and public-facing initiatives. While her exact salary isn’t public, insiders estimate her Ramsey Solutions compensation and profit participation to be a significant portion of her income, particularly as she co-creates content for the next generation of savers.
Rachel Cruze’s Financial Philosophy
Like her father, Cruze champions a debt-free lifestyle, but her tone is softer, more empathetic, and focused on emotional well-being. She addresses the psychological side of money, such as comparison culture, contentment, and social media pressures that lead people into debt. Her philosophy is anchored in intentionality, budgeting, and mindful spending, making her more accessible to a younger, digitally savvy audience.
Investments, Assets, and Lifestyle
Rachel Cruze doesn’t just preach responsible money management—she lives it. Consistent with the Ramsey family philosophy, Cruze has committed to a debt-free lifestyle, intentionally avoiding credit cards, personal loans, or financing of any kind. She advocates for cash-based living and budgeting, ensuring that every dollar is assigned a job and that impulse spending is kept in check.
When it comes to investments, Cruze sticks to low-risk, long-term strategies. Her portfolio is focused primarily on mutual funds and retirement accounts, such as 401(k)s and Roth IRAs, aligning with the Baby Steps investment framework promoted by Ramsey Solutions. She steers clear of speculative assets like cryptocurrencies or day trading, preferring stable, predictable vehicles that support gradual wealth building over time.
Her known assets include a primary residence in Tennessee, purchased with cash and free of any mortgage, as well as business interests within Ramsey Solutions, where she serves as a key personality and contributor. Though her exact equity stake isn’t public, her role as a high-profile face of the company ensures she shares in its financial success.
Unlike many social media influencers or personal finance celebrities, Cruze consciously avoids flashy displays of wealth. She rarely showcases luxury brands, expensive vacations, or lavish lifestyle upgrades. Instead, she promotes a simple, family-centered lifestyle, focused on contentment, intentional spending, and generosity, embodying the same principles she encourages her audience to follow.
Conclusion
Rachel Cruze has successfully stepped out of her father’s shadow, creating her own financial education brand tailored to a new generation. While her net worth is modest compared to other personal finance celebrities, it reflects steady growth, business discipline, and alignment with her personal values.
